Rhode Island Insurance Adjuster Exam

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Prepare for the Rhode Island Insurance Adjuster Exam. Dive into multiple-choice questions with detailed answers and explanations. Enhance your knowledge and boost your confidence before the test!

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If a person is hit by a stolen vehicle, what type of coverage would apply?

Liability
Comprehensive
Uninsured
Collision

The correct answer is: Uninsured

When a person is hit by a stolen vehicle, the applicable coverage that would typically come into play is uninsured motorist coverage. This type of coverage is designed to protect individuals when they are involved in accidents with drivers who do not have insurance, or in scenarios where the driver is unidentified, such as in the case of hit-and-run accidents or when the vehicle is stolen and the driver is without insurance. In this situation, since the vehicle that caused the accident was stolen, it is likely that the driver of that vehicle is unlicensed or uninsured. Thus, uninsured motorist coverage would provide the necessary benefits to the injured party, ensuring they can receive compensation for medical expenses, lost wages, and other damages resulting from the accident, despite the responsible party lacking proper insurance coverage. This understanding clarifies why uninsured motorist coverage is the suitable choice in this scenario.