Which of the following is NOT considered an uninsured motor vehicle under a personal auto policy?

Under a personal auto policy, an uninsured motor vehicle is typically defined in a way that excludes certain categories of vehicles from that designation. One of these exclusions is a vehicle that does not carry uninsured motorist coverage itself.

Uninsured motorist coverage is designed to protect the insured when involved in an accident with a driver who either does not have insurance or has insufficient insurance to cover the damages. Therefore, if a vehicle does not carry this specific type of coverage, it does not fit the definition of an uninsured motor vehicle under a personal auto policy.

On the other hand, a hit-and-run driver's vehicle, an insured vehicle with a coverage denial, and a vehicle that does not carry auto liability insurance can all fit the criteria for being considered uninsured. These scenarios involve either the absence of required insurance or circumstances where the insurer has denied coverage, which would make these vehicles eligible for uninsured motorist claims.