Registered Insurance Brokers of Ontario (RIBO) Practice Exam

Which individuals are considered "persons insured" under Uninsured Automobile coverage?

1. The insured driver only

2. The spouse of the insured when hit by an uninsured vehicle while walking the dog

3. Children of the insured when they are passengers

4. Any licensed driver operating the vehicle

The correct answer is: The spouse of the insured when hit by an uninsured vehicle while walking the dog

In Uninsured Automobile coverage, "persons insured" typically include individuals who are directly connected to the insured policyholder, including family members and other specified individuals. The inclusion of the spouse when hit by an uninsured vehicle, even while engaged in an activity such as walking a dog, reflects the broader protection offered under this coverage. This coverage aims to protect not only the policyholder while they are operating their vehicle but also their immediate family members as they may be subject to the same risks on the road. Therefore, the correct answer acknowledges that spouses, as close relatives, are covered under such circumstances when they are directly affected by an uninsured vehicle. Other possible choices may have limitations on who qualifies for coverage. For instance, while licensed drivers operating the vehicle may have some coverage depending on the policy, often only those specifically named in the policy or family members are granted broad protection under Uninsured Automobile coverage.