Arkansas Subscriber

Uninsured motorists coverage is based on the insured being legally entitled to recover damages from the owner or operator of an uninsured motor vehicle. It makes no difference if the insured is driving an owned car or a nonowned car; if he is hit by an uninsured motorist and injured the insured's uninsured motorists coverage will apply.

Your insured does need to be aware of some other issues though. Uninsured motorists coverage will not duplicate workers compensation payments. If your insured is driving a company car on business and is involved in an accident with an uninsured motorist, the insured's auto policy will not pay for an element of loss if the insured is entitled to receive payment for the same element of loss under workers comp. Also, uninsured motorists coverage does not apply to punitive damages. Finally, the uninsured motorists coverage for nonowned autos is excess over any collectible insurance providing such coverage on a primary basis; so, if the employer should ever purchase uninsured motorists coverage for the business auto, that coverage will be primary for your insured.