Which scenario qualifies someone as an uninsured motorist?

A hit-and-run driver qualifies as an uninsured motorist because they are involved in an accident and then leave the scene without providing any identification or insurance information. This means their insurance status cannot be verified, thus categorizing them effectively as "uninsured" in the context of a motor vehicle accident.

In contrast, a driver with state minimum liability insurance does have some coverage, although it may be inadequate in particular situations. A driver with high coverage limits has sufficient insurance and is, therefore, not considered uninsured. Finally, a driver who has adapted their vehicle for safety may have insurance coverage and their safety modifications do not affect their uninsured status. These scenarios highlight the specific conditions under which a driver is recognized as uninsured, making hit-and-run incidents particularly significant for claims related to uninsured motorist coverage.