In the context of a PAP, what does "hit-and-run" refer to?

The term "hit-and-run" in the context of a Personal Auto Policy (PAP) specifically refers to an accident involving a driver who leaves the scene without providing their contact information or assisting anyone who may be injured. This scenario can create complications for the victim, as they may be unable to identify the responsible party to pursue compensation for damages caused by the accident.

This definition is significant because it highlights the dangers and liabilities associated with such incidents, emphasizing the importance of having uninsured motorist coverage in a PAP. In many policies, coverage can extend to situations involving hit-and-run drivers, thereby protecting the insured from financial loss in such unfortunate circumstances.

The other options do not accurately define the term "hit-and-run." For instance, an accident where both drivers agree to leave does not capture the essence of the term, as a hit-and-run implies one party fleeing the scene against the law. Similarly, a situation where the driver admits fault does not involve leaving the scene and does not qualify as a hit-and-run. Lastly, an accident involving uninsured motorists is a different issue entirely and does not relate specifically to the act of leaving the scene without contact.