We get these questions a lot, and we’re happy to address them. Our customers want to know the difference between an uninsured motorist and an underinsured motorist. The first thing we have to do is define the word “relative.”

A “relative” is a person living in your household and related to you by blood, marriage or adoption. This includes a ward or foster child.

Who Is An Uninsured Motorist

1. You or a relative.

2. Anyone else occupying your insured car.

3. Anyone entitled to recover damages due to bodily injury to you, a relative or another occupant of your insured car.

Who Is Not An Insured Motorist

1. Any person, other than a relative, using your car without your permission.

2. Any person, other than a relative, using your insured car with your permission but who exceed that scope of that permission. (Example: Your relative loans your car to a third party. Your relative uses your car for “ride-sharing” purposes. Your relative loans your car for the purpose providing livery services.)

3. Any person using a vehicle without the permission of the person having legal possession.

4. Any person using the vehicle with the permission of the person with lawful possession but who exceeds the scope of that permission. (See #2 above for explanation.)

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