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Under the ISO Personal Auto Policy (PP 00 01) Part C — Uninsured Motorists Coverage, the definition of "uninsured motor vehicle" generally INCLUDES which of the following?

A hit-and-run vehicle whose operator or owner cannot be identified and which causes bodily injury to an insured
BA vehicle owned by or furnished for the regular use of the named insured or any resident family member
CA vehicle owned or operated by a qualified self-insurer under any applicable motor vehicle financial-responsibility law
DA vehicle owned by any governmental unit or agency at the federal, state, or local level of government

Why this is the answer

The PAP UM definition includes (1) a vehicle to which no BI liability bond/policy applies at the accident, (2) a vehicle whose limits are less than the minimum required by the state's financial responsibility law, (3) a hit-and-run vehicle whose operator/owner cannot be identified, and (4) a vehicle whose insurer denies coverage or becomes insolvent. Specifically EXCLUDED from the UM definition: vehicles owned by or furnished for the regular use of the named insured/family member, vehicles owned/operated by a self-insurer, vehicles owned by any governmental unit, and certain off-road or rail-borne vehicles. See ISO PP 00 01 Part C.

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