Part C coverage applies when an insured is injured by which type of driver?

Part C coverage, also known as uninsured motorist coverage, is designed to protect the insured in situations where they are involved in an accident with a driver who lacks sufficient insurance or whose insurance company is unable to pay claims, typically due to insolvency.

This coverage is specifically aimed at ensuring that the insured is not left financially vulnerable if they're injured by a driver who cannot cover the costs of damages and medical expenses. When a driver's insurance company is declared insolvent, it means that the company cannot fulfill its obligations to pay claims, effectively rendering the driver uninsured in practical terms. Therefore, in the event of an accident with such a driver, Part C coverage becomes essential for the injured insured to obtain compensation for their losses.

In contrast, drivers who have liability coverage, are compliant with traffic regulations, or have a valid insurance policy provide different scenarios that do not invoke the need for Part C coverage. These situations generally involve either adequate insurance for handling claims or compliance with legal standards that don't impact the insured's need for additional coverage due to lack of financial responsibility from the at-fault party.