Both cases in this appeal were based on policy language that excluded UM coverage for pedestrians struck by a hit-and-run vehicle because a pedestrian, by definition, cannot occupy a covered vehicle.
General guidelines of the proposal state that underwriting data should be reported for all of the 41,000-plus U.S. ZIP codes in which an insurer writes business.
The Colorado Court of Appeals rejects exclusions denying UM/UIM coverage for injuries sustained in vehicles regularly used by an insured but not on a policy.