uninsured motorist clause

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uninsured motorist clause

n. the clause in a policy of insurance on an automobile which provides that the if the owner (or a passenger) of the automobile is injured by a negligent driver of another vehicle who does not have liability insurance, then the insurance company will pay its insured's actual damages.

References in periodicals archive ?

After analyzing Missouri precedent, the court in Bergtholdt declared that public policy "mandates that when an insured has two separate policies containing uninsured motorist clauses, effect shall be given to both coverages without reduction or limitation by policy provisions, and that both coverages are available to those insured thereby." (86) Furthermore, the court made a determination that, due to the peculiarity of the language contained in the UM provision in these particular policies, the plaintiff was not precluded from recovery thereunder purely as a result of the defendant's status as an insured.

A light at the end of the Tunnell? The parameters of uninsured motorist coverage in wrongful death cases: Floyd-Tunnell v. Shelter Mutual Insurance Co