23. Which of the following would be paid under Part C (Uninsured and Underinsured Motorists) of Mary's auto insurance policy after an auto accident?
Answer: D
Damages for bodily injury suffered by Mary after it is determined the other driver was at fault and had no insurance will be paid under Part C.
Part C of Mary's auto insurance policy covers uninsured and underinsured motorists, meaning it would be applicable in situations where the other driver lacks sufficient insurance to cover damages. Therefore, if Mary suffers bodily injury due to an accident caused by an uninsured driver, her own insurance would cover her medical expenses.
A) Mary's medical expenses
While Mary's medical expenses are important, they would not be covered under Part C if she was at fault for the accident. Part C specifically addresses situations involving uninsured or underinsured motorists and does not apply if Mary’s own actions led to the accident.
B) The medical expenses of the other driver after it is determined Mary was at fault
This option is incorrect as well; Part C does not cover the medical expenses of the other driver if Mary is found at fault. Coverage for the other driver's expenses would typically fall under Mary's liability coverage, not under Part C.
C) The property damage to the other car
Property damage to the other car resulting from the accident would not be covered under Part C. This type of damage is generally addressed through liability coverage, which is separate from the uninsured and underinsured motorist coverage provided by Part C.
D) The damages for bodily injury suffered by Mary after it is determined the other driver was at fault and had no insurance
This is the correct option as it directly aligns with the purpose of Part C. If the other driver is at fault and lacks insurance, Mary's Part C coverage would pay for her bodily injury expenses.
Conclusion
The correct answer is D, as it accurately reflects the purpose of Part C of Mary's auto insurance, which is to cover bodily injuries sustained by the insured when the at-fault party is uninsured. Options A, B, and C do not meet the criteria for coverage under Part C, highlighting the specific circumstances that this policy provision is designed to address.