Which type of vehicles are excluded from UM/UIM coverage?

UM/UIM coverage, which stands for Uninsured Motorist and Underinsured Motorist coverage, is designed to protect insured drivers in the event they are involved in an accident with a driver who lacks adequate insurance. In Mississippi, specific types of vehicles can be excluded from this coverage, which is where the focus on government vehicles comes in.

Government vehicles are often excluded because they are typically covered under different kinds of sovereign immunity and insurance plans that address risks associated with government operation. This means that, generally, the claims made against a government entity are handled in a different manner than those against private individuals or companies. Therefore, when it comes to UM/UIM coverage, many insurance policies explicitly exclude government vehicles from being covered, reflecting the legal framework that surrounds such entities.

In contrast, private vehicles, commercial vehicles, and rental vehicles generally are included within UM/UIM coverage, allowing the drivers of these vehicles to seek compensation from their own insurance in the case of accidents involving uninsured or underinsured motorists. This is a critical distinction that highlights the unique treatment of government vehicles in terms of insurance policy structuring.