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UNINSURED MOTOR VEHICLE COVERAGE
This policy provides Uninsured Motor Vehicle Insuring Agreement
Coverage if “U” is shown under “SYMBOLS” on We will pay compensatory damages for bodily in-
the Declarations Page. jury an insured is legally entitled to recover from
Additional Definitions the owner or driver of an uninsured motor vehicle.
Insured means: The bodily injury must be:
1. you; 1. sustained by an insured; and
2. resident relatives; 2. caused by an accident that involves the opera-
tion, maintenance, or use of an uninsured mo-
3. any other person while occupying: tor vehicle as a motor vehicle.
a. your car; Notice of Tentative Settlement
b. a newly acquired car; or 1. The insured must:
c. a temporary substitute car. a. inform us in writing of a tentative settle-
Such vehicle must be used within the scope of ment, if any, proposed by or on behalf of
your consent. Such other person occupying a the owner or driver of the uninsured mo-
vehicle used to carry persons for a charge is tor vehicle; and
not an insured; and
4. any person entitled to recover compensatory b. give us a reasonable period of time to
make a substitute payment to the insured
damages as a result of bodily injury to an in- in an amount equal to such tentative set-
sured as defined in 1., 2., or 3. above. tlement offer.
Uninsured Motor Vehicle means a land motor ve- 2. If a substitute payment is made by us, then:
hicle:
1. the ownership, maintenance, and use of which a. such payment shall be considered a pay-
ment made by or on behalf of the owner or
is: driver of the uninsured motor vehicle; and
a. not insured or bonded for bodily injury li-
ability at the time of the accident; or b. any recovery from or on behalf of the
owner or driver of the uninsured motor
b. insured or bonded for bodily injury liabil- vehicle shall first be used to repay us the
ity at the time of the accident; but amount of the substitute payment.
(1) the limits are less than required by The decision to make a substitute payment
the financial responsibility act of can only be made by us. A substitute
Missouri; or payment to an insured does not reduce or
(2) the insuring company: increase the limits of coverage otherwise
(a) denies that its policy provides li- available to that insured under this cover-
ability coverage for compensatory age or any other coverage of this policy.
damages that result from the ac- 3. If we elect to not make a substitute payment
cident; or within a reasonable period of time, then the ac-
(b) is or becomes insolvent; or ceptance of the tentative settlement by the in-
2. the owner and driver of which remain unknown sured shall not be considered to have
prejudiced us with respect to our rights of sub-
and which causes bodily injury to the insured. rogation or reimbursement as to the owner or
Uninsured Motor Vehicle does not include a land driver of the uninsured motor vehicle.
motor vehicle: Deciding Fault and Amount
1. whose ownership, maintenance, or use is pro- 1. a. The insured and we must agree to the an-
vided Liability Coverage by this policy; swers to the following two questions:
2. owned by, rented to, or operated by a self- (1) Is the insured legally entitled to re-
insurer under any motor vehicle financial re- cover compensatory damages from the
sponsibility law, any motor carrier law, or any owner or driver of the uninsured mo-
similar law; tor vehicle?
3. designed for use primarily off public roads (2) If the insured and we agree that the answer
except while on public roads; or to 1.a.(1) above is yes, then what is the
4. while located for use as a dwelling or other amount of the compensatory damages that
premises. the insured is legally entitled to recover

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9825A