In which situation would the uninsured automobile coverage not respond?

Uninsured automobile coverage is designed to protect insured drivers against losses resulting from incidents involving uninsured drivers or hit-and-run situations. However, certain exclusions may apply based on the relationships between the parties involved in the accident.

In the given context, the coverage would not respond to property damage caused by the insured’s spouse because many insurance policies typically include a household exclusion clause. This means that claims made by the insured for damages caused by family members living in the same household, such as a spouse, are not covered under uninsured automobile coverage. The rationale behind this exclusion is to prevent potential conflicts of interest and fraudulent claims within a household, where family members might be hesitant to pursue each other for damages.

When dealing with the other scenarios, uninsured automobile coverage would generally apply successfully, such as when a driver is hit by an unidentified driver or in instances of a hit-and-run. These situations involve clear cases of needing protection against underinsured or uninsured parties, which is the primary function of this specific coverage area.