UM/UIM coverage excludes which of the following?

Uninsured Motorist (UM) and Underinsured Motorist (UIM) coverage is designed to protect policyholders in the event that they are involved in an accident with a driver who does not have sufficient insurance or any insurance at all. When examining the context of this type of coverage, it is important to understand the exclusions that apply.

Excluding government vehicles from UM/UIM coverage makes sense because these types of vehicles often have their own liability protections and are usually involved in governmental operations. In many jurisdictions, including Florida, laws and regulations may prevent claims against certain government entities or vehicles, emphasizing the principle of sovereign immunity. Therefore, when a policyholder encounters an accident with a government vehicle, they cannot typically pursue claims through their own UM/UIM coverage, as the government vehicle is likely covered by its own liability insurance, which negates the need for additional UM/UIM protection.

This highlights the focus of UM/UIM coverage, which is to protect insured individuals against uninsured parties. As such, the structure of the insurance is built upon situations where there are gaps in coverage, specifically related to non-covered or insufficiently insured drivers, making the exclusion of government vehicles a relevant and applicable component of UM/UIM coverage.