Legal definition of uninsured motorist clause
Traffic & Moving Violations Legal Terminology

uninsured motorist clause

Uninsured Motorists Clause contained in your insurance policy protects you, your family members who live with you, and occupants of your car, in the event they are injured as the result of negligent actions by an uninsured vehicle or hit-and-run motorist. Basically, it says that your insurance will cover your costs associated with the accident caused by an uninsured driver.
A claim may be filed with your auto insurance company under this coverage if anyone in your car is injured by the driver of an uninsured vehicle or a hit-and-run motorist, or if you or a member of your family is injured while in an uninsured vehicle, or injured as a pedestrian by an uninsured or hit-and-run motorist. If you do not own a car, but a relative in your household does, you may be covered under that policy.
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