Uninsured-Underinsured Motorists Coverage

1) Introduction
a) Title
b) Description of module
2) UM and UIM coverage definitions
a) UM and UIM coverages described
b) Operation of UM and UIM coverages
c) What statutes require
3) Arising out of use of UM or UIM vehicle
a) Arise out of ownership, maintenance, use
b) Shotgun attack from vehicle was “use”
4) Activity
a) Question on UM and UIM definitions
b) Answer
5) Legally entitled to recover
a) Elements required for recovery
b) Workers comp. statute v. UIM recovery
6) Guest statutes, intrafamilial and interspousal tort
immunity
7) Territorial limitations
a) Territorial restrictions to keep premiums low
b) U.S., Canada restriction valid
8) Wrongful death
a) Coverage available for insured decedent
b) No derivative claims for non-insureds
9) Activity
a) Question on territorial limitations
b) Answer
10) Criminal acts
a) Accident not necessary for recovery
b) Deliberate dragging covered
c) No coverage where vehicle mere situs of attack
d) No coverage where accidental shotgun blast from
vehicle
11) Workers comp. v. UM and UIM recovery
a) No UM and UIM benefits where workers comp. recoverable

b) Louisiana- UIM benefits validly excluded v. workers
comp.
12) No-fault/PIP benefits v. UM and UIM recovery
a) UM and UIM benefits where no-fault/PIP recoverable

b) Hawaii- no UIM set-off v. no-fault benefits
13) Ending
a) Conclusion
b) Exit to quiz
14) Quiz – Reinforcing Part 1 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

1) Introduction
a) Title
b) Description of section
c) UIM coverage described
2) Terminology
a) UM and UIM coverage can be the same
b) States where UM and UIM coverages the same
c) States where UM and UIM coverages are separate
3) Activity
a) Question on UIM coverage
b) Answer
4) “Arising out of”
a) What is the “gap” theory?
b) Gap theory in practice
c) What is the “excess” or “floating level theory?”
d) Example of difference between theories
e) Theory difference continued
f) Excess theory example
g) Excess theory states
h) Gap theory states
i) Other states laws
5) Activity
a) Question on gap v. excess
b) Answer
6) Recap
a) Return to collision example
b) Excess theory in practice
c) Gap theory in practice
d) Distinction between examples
e) Distinction continued
f) Case law example
7) Ending
a) Conclusion
b) Exit to quiz
8) Quiz – Reinforcing Part 2 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

1) Introduction
a) Title
b) Description of section
2) Premises Risks
a) Persons required to be covered
b) “Named insureds” and “family members”
3) Activity
a) Question on step-brother as “relative”
b) Answer
4) Household members
a) Divorced, but living together
b) Children of divorce
c) Children in military service
5) Permissive users
6) Passengers
7) “Occupying”
a) “Vehicle oriented” may equal “occupying”
b) Hypothetical
c) Court opinion confirms hypothetical
d) Physical contact rule
8) Pedestrians
a) “Named insureds” and “family members”
b) Others must be occupying vehicle
9) Activity
a) Question on resident nephew as “insured”
b) Answer
10) Motorcycles
a) Many auto policies exclude motorcycles
b) Some courts have required coverage
11) Other owned vehicle exclusions
12) Family member exclusions
a) Family member exclusions generally losing favor
b) Family member exclusions usually held void
13) Named driver exclusions
a) Exclusions described
b) Sometimes held unenforceable
c) Hypothetical
d) Hypothetical continued
e) Exclusions effect on recovery
14) Ending
a) Conclusion
b) Exit to quiz
15) Quiz – Reinforcing Part 3 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

1) Introduction
a) Title
b) Description of section
c) What is a UM vehicle?
2) General types of UM vehicles
3) UM vehicle- no liability policy
4) UM vehicle- less liability coverage than per statute
5) Less coverage than necessary for multiple claimants
a) Hypothetical
b) Case illustrations
c) Case illustrations continued
6) Hit-and-run vehicles
a) Hit-and-run vehicles discussed
b) Case illustrations
7) Insolvent insurers
8) Activity
a) Question on UM vehicle
b) Answer
9) UIM vehicles
a) Damages method
b) Case illustration
c) Limits-to-limits method
d) Limits-to-limits method continued
e) Limits-to-limits method approaches
f) Approach examples
g) Approach examples continued
h) Expansive approach case
10) Activity
a) Question on UIM vehicle
b) Answer
11) Exceptions to UM and UIM vehicles
a) Types of exceptions
b) UM- Owned-but-uninsured exception
c) UIM- Owned-but-uninsured exception
d) Owned-but-uninsured exception cases
12) Recap
13) Ending
a) Conclusion
b) Exit to quiz
14) Quiz – Reinforcing Part 4 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

1) Introduction
a) Title
b) Description of section
2) Hit-and-run drivers
a) Hit-and-run drivers defined
b) Policy language
c) Trigger requirements
3) Physical contact
a) Purpose of requiring physical contact
b) Physical contact and statutes
c) California- physical contact required
d) Georgia- physical contact required
e) Physical contact and auto policies
f) Florida- physical contact not required
g) Florida continued
4) No proof of contact or phantom vehicle
a) Virginia- no proof required
b) Oklahoma- no proof required
5) Indirect physical contact
a) Indirect physical contact described
b) California- indirect physical contact sufficient
c) New York- indirect physical contact sufficient
d) California- object from unknown vehicle sufficient
e) New York opinion- non-vehicle object sufficient
f) Other NY opinion- non-vehicle object not
sufficient
g) California- blinded by headlights not sufficient
6) Recap
7) Assaults, drive-by shootings and carjackings
a) Assaults, drive-by shootings and carjackings
described
b) Accident from insured’s point of view
c) Missouri- “accident” not necessary
d) Haw., R.I.- drive-by shooting opinions
e) Ill.- carjacking hostage entitled to coverage
f) Kan., Md.- robbery cases
8) Ending
a) Conclusion
b) Exit to quiz
9) Quiz – Reinforcing Part 5 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz

1) Introduction
a) Title
b) Description of section
2) Stacking
a) Stacking described
b) Intra-policy stacking v. inter-policy stacking
c) Limit of liability clauses
d) Mississippi- no stacking limitation permissible
3) Preventing stacking
a) Limit of liability language found unambiguous
b) Example
c) Illinois- no stacking UIM coverages
d) Minnesota- conflicting statutes
4) States permitting stacking
a) How courts permit stacking
b) Limit of liability clauses ambiguous
c) Inconsistencies between dec. sheets and limit clauses
d) Limit of liability clauses violate public policy
5) Set-off provisions
a) Set-off provisions described
b) Duplicate payment language
c) Provisions unenforceable if insured not fully compensated
6) Workers compensation set-off
a) Workers compensation set-off discussed
b) Case law discussed
c) No double-recovery
7) Liability payments set-off
a) Liability payments under same policy discussed
b) Hypothetical
c) Set-off against limits or total damages
8) Ending
a) Conclusion
b) Exit to quiz
9) Quiz – Reinforcing Part 6 Materials
a) 5 multiple choice questions
b) 4 choices per question
c) A second quiz if less than 80% score on first quiz