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An uninsured motorist clause is a provision commonly found in United States automobile insurance policies that provides for a driver to receive damages for any injury he or she receives from an uninsured, negligent driver. The owner of the policy pays a premium to the insurance company to include this clause. Although not exclusive, this coverage is typically added to an automobile insurance policy. In the event of a qualifying accident, the insurance company pays the difference between what the uninsured driver can pay and what the injured driver would be entitled to as if the uninsured motorist had proper insurance.〔(【引用サイトリンク】title = Uninsured moterist clause )〕 It is mandatory for the insurance carrier to provide such coverage in some states, such as Pennsylvania, Illinois, Maryland, and New York. ==Defining an uninsured motorist for the purpose of an uninsured motorist clause== There are three types of uninsured motorists defined under the uninsured motorist clause: # Individuals who do not have liability coverage for the vehicle he or she is operating. In most states, it is a crime to be uninsured in this manner. # When an individual flees the scene of an accident without leaving sufficient information to identify him or herself, the individual is considered uninsured for the purposes of an uninsured motorist provision. Note, however, that a positive ID of the license plates in a hit and run accident will often be considered by insurance companies sufficient information to identify the negligent Hit and run driver. Such identification will often lead to the denial of an uninsured motorist claim, as insurance companies will often litigate the claim, bringing in the registered owner of the vehicle with matching plates, even when that person denies involvement in the accident. The following states don't allow uninsured motorist property damage to be used in hit-and-run collisions::〔(【引用サイトリンク】url=http://www.esurance.com/claims-info/claim-types/hit-and-run-claims )〕 * California * Colorado * Georgia * Illinois * Louisiana * Ohio In these states, your collision coverage may be able to help pay for your car repairs. # A stolen vehicle is uninsured from the time it has been stolen. A person who has been injured by a stolen vehicle may qualify for an uninsured claim. A few states require physical contact for uninsured claims. If contact is required, it can be any kind of contact, such as that between two cars, but can also consist of a vehicle contacting the leg of a motorcyclist or a motorcycle tire. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Uninsured motorist clause」の詳細全文を読む スポンサード リンク
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