uninsured motorist coverage

uninsured motorist coverage
Protection afforded an insured by first party insurance against bodily injury inflicted by an uninsured motorist, after the liability of the uninsured motorist for the injury has been established. Sturdy v. Allied Mut. Ins. Co., 203 Kan. 783, 457 P.2d 34, 36.
Purpose is to guarantee that the injured insured will be in the same position in the event of injury attributable to negligence of an uninsured motorist as the insured would be if he were injured through the negligence of a motorist carrying liability insurance. Jarstad v. National Farmers Union Property & Cas. Co., Nov., 552 P.2d 49, 50.
Uninsured motorist coverage in automobile liability policies is designed to close the gaps inherent in motor vehicle financial responsibility and compulsory insurance legislation, and this insurance coverage is intended, within fixed limits, to provide financial recompense to innocent persons who receive injuries and dependents of those who are killed, through the wrongful conduct of motorists who, because they are uninsured and not financially responsible, cannot be made to respond in damages. Wright v. Fidelity & Cas. Co. of New York, 270 N.C. 577, 155 S.E.2d 100, 106.

Black's law dictionary. . 1990.

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