Rhode Island Insurance Adjuster Exam 2025 – Complete Study Guide

Image Description

Question: 1 / 400

If a person is hit by a stolen vehicle, what type of coverage would apply?

Liability

Comprehensive

Uninsured

When a person is hit by a stolen vehicle, the applicable coverage that would typically come into play is uninsured motorist coverage. This type of coverage is designed to protect individuals when they are involved in accidents with drivers who do not have insurance, or in scenarios where the driver is unidentified, such as in the case of hit-and-run accidents or when the vehicle is stolen and the driver is without insurance.

In this situation, since the vehicle that caused the accident was stolen, it is likely that the driver of that vehicle is unlicensed or uninsured. Thus, uninsured motorist coverage would provide the necessary benefits to the injured party, ensuring they can receive compensation for medical expenses, lost wages, and other damages resulting from the accident, despite the responsible party lacking proper insurance coverage.

This understanding clarifies why uninsured motorist coverage is the suitable choice in this scenario.

Get further explanation with Examzify DeepDiveBeta

Collision

Next Question

Report this question

Download Rhode Island Insurance Adjuster Practice Exam PDF Study Guide
Subscribe

Get the latest from Examzify

You can unsubscribe at any time. Read our privacy policy