Opinion ID: 2325753
Heading Depth: 1
Heading Rank: 7

Heading: property damage by uninsured automobiles

Text: COVERAGE SS  Uninsured Motorists Insurance Allstate will pay all sums which the insured or his legal representative shall be legally entitled to recover as damages from the owner or operator of an uninsured automobile because of bodily injury, sickness or disease, including death resulting therefrom, hereinafter called bodily injury, sustained by the insured or property damage, caused by accident and arising out of the ownership, maintenance or use of such uninsured automobile. No default judgment against any known person or organization alleged to be legally responsible for the bodily injury or property damage shall be conclusive, as between the insured and Allstate, as to the establishment of legal liability or of the amount of damages to which the insured is legally entitled. Definitions of words used under this Section 1. insured means: (a) the named insured as stated in the policy, the spouse of any such named insured and relatives of either, while residents of the same household; (b) any other person while occupying an insured automobile; and (c) any person, with respect to damages he is entitled to recover because of bodily injury to which this coverage applies sustained by an insured under (a) or (b) above. The insurance applies separately with respect to each insured, but the application of the insurance to more than one insured shall not operate to increase the limits of Allstate's liability. 2. insured automobile means a motor vehicle: (a) described in the declarations as an insured automobile to which the bodily injury liability coverage of the policy applies; (b) while temporarily used as a substitute for an insured automobile as described in subparagraph (a) above when withdrawn from normal use because of its breakdown, repair, servicing, loss or destruction; (c) while being operated by a named insured or by his spouse if a resident of the same household; but the term insured automobile shall not include: (i) an automobile while used as a public or livery conveyance; (ii) an automobile while being used without the permission of the owner; (iii) under subparagraphs (b) and (c) above, an automobile owned by the named insured or any resident of the same household as such insured; or (iv) under subparagraphs (b) and (c) above, an automobile furnished for the regular use of the named insured or any resident of the same household. 3. uninsured automobile means: (a) a motor vehicle with respect to the ownership, maintenance or use of which there is, in at least the amounts specified by the financial responsibility law of the state in which the insured automobile is principally garaged, no bodily injury liability bond or insurance policy applicable at the time of the accident with respect to any person or organization legally responsible for the use of such automobile, or with respect to which there is a bodily injury liability bond or insurance policy applicable at the time of the accident but the company writing the same either has denied coverage thereunder or is or becomes insolvent; (b) a hit-and-run automobile as defined; or (c) an underinsured automobile as defined; provided a motor vehicle involved in an accident shall be presumed to be an uninsured automobile if no evidence of financial responsibility is supplied to the department of motor vehicles or the Commissioner of Motor Vehicles, as the case may be, within 60 days after the accident occurs; but the term uninsured automobile shall not include: (i) an insured automobile; (ii) a motor vehicle which is owned or operated by a self-insurer within the meaning of any motor vehicle financial responsibility law, motor carrier law or any similar law; (iii) a motor vehicle which is owned by the United States of America, Canada, a state, a political sub-division of any such government or an agency of any of the foregoing; (iv) a land motor vehicle or trailer if operated on rails or crawler-treads or while located for use as a residence or premises and not as a vehicle; or (v) a farm type tractor or equipment designed for use principally off public roads, except while actually upon public roads. 4. hit-and-run automobile means a motor vehicle which causes bodily injury to an insured arising out of physical contact of such automobile with the insured or with an automobile which the insured is occupying at the time of the accident, or which causes property damage arising out of physical contact of such vehicle with such property, provided: (a) the owner or operator of such hit-and-run automobile is unknown or after reasonable diligence cannot be found; (b) the insured or someone on his behalf shall have reported the accident within 24 hours to a police, peace or judicial officer or to the Commissioner of Motor Vehicles of the State of Delaware or to the equivalent department in the state where the accident occurred, and shall have filed with Allstate within 30 days after the accident a statement under oath that the insured or his legal representative has a cause of action arising out of such accident for damages against a person or persons who are unknown or after reasonable diligence cannot be found, and setting forth the facts in support thereof; and (c) at Allstate's request, the insured or his legal representative makes available for inspection the automobile which the insured was occupying, if so, at the time of the accident. 5. underinsured automobile means a motor vehicle with respect to the ownership, maintenance or use of which the sum of the limits of liability under all bodily injury liability bonds and insurance policies applicable at the time of the accident is less than the applicable limits of liability under this insurance; provided, however, that the limits of liability for Coverage SS  Uninsured Motorists Coverage stated in the declarations exceed the amounts specified for bodily injury liability by the financial responsibility law of the state in which the insured automobile is principally garaged. 6. Occupying. The word occupying means in or upon or entering into or alighting from. 7. State. The word state includes the District of Columbia, a territory or possession of the United States, and a province of Canada.