Florida Insurance Licensing Practice Exam

UM coverage under the PAP pays for:

1. Damage to the insured's car caused by hit and run driver

2. Bodily injury to the insured caused by hit and run driver

3. Injury to a pedestrian caused by the insured

4. None of the above

The correct answer is: Bodily injury to the insured caused by hit and run driver

Uninsured motorist coverage under the PAP (Personal Auto Policy) pays for bodily injury to the insured if they are in an accident caused by a hit and run driver. This means that if the driver who caused the accident does not have insurance or cannot be identified, UM coverage will cover the insured's bodily injuries. Option A is incorrect because it is describing collision coverage, not UM coverage. Option C is incorrect because it is referring to liability coverage, which is meant to cover injuries or damages caused by the insured, not to the insured themselves. Option D is incorrect because UM coverage is a specific type of coverage under the PAP and does provide coverage for bodily injury caused by a hit and run driver.