INSURANCE (UM): DOWELL V. SAFE AUTO INS. CO. (SC 12/21/2006)

DOWELL V. SAFE AUTO INS. CO.
INSURANCE:  UM Benefits; coverage; "hit and run"
2005-SC-000153-DG.pdf
PUBLISHED: REVERSING AND REMANDING; LAMBERT
DATE RENDERED: 12/21/2006

Safe Auto’s automobile insurance policy did not contain the typical "hit and run" exclusion of coverage and denied UM benefits when it’s insured was injured in a car accident by an unknown driver/vehicle who had made contact.  SC rejected Safe Auto’s position that there was no UM coverage since there was no proof that the vehicle was uninsured and concluded that an unidentified hit and run vehicle is not excluded from the UM coverage of this policy. As such, coverage is deemed applicable to Appellants .

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