Which of the following is true about minimum uninsured motorist coverage per accident?

• A. $50,000
• B. $30,000
• C. $40,000
• D. $50,000

Answer: (C)

Uninsured motorist coverage per accident is the total amount your policy will pay for injuries in a single crash when the other driver is uninsured or underinsured. The limit applies to all injuries from that one accident, not to each person separately.

The minimum per-accident UM limit in this context is 40,000 dollars. That means, in one crash, your UM payout can total up to 40,000, even if there are multiple injured people, but it won’t exceed that amount. A figure like 50,000 would exceed the minimum, while 30,000 would be below it. If costs exceed 40,000, you’d need additional sources of compensation or higher UM limits for greater protection.