Which of the following is NOT treated as an uninsured motor vehicle under the personal auto policy?

In the context of uninsured motor vehicle coverage, a vehicle that does not carry uninsured motorist coverage is not considered an uninsured motor vehicle under the personal auto policy. Uninsured motorist coverage is a specific type of insurance that protects an insured driver when they are involved in an accident with someone who does not have insurance, or under certain circumstances, with someone who does not have adequate coverage.

If a vehicle itself does not have uninsured motorist coverage, it does not fall under the conditions set by the personal auto policy to be classified as an uninsured motor vehicle. This is because the policy's definition is primarily concerned with the lack of liability insurance that would otherwise provide compensation for damages in the event of an accident, rather than the absence of uninsured motorist coverage specifically.

In contrast, a hit-and-run vehicle is treated as uninsured because it leaves the scene and accountability cannot be established. An insured vehicle with a denied claim implies that coverage was in place but is now disputable due to factors determined by the insurer. A vehicle that lacks auto liability insurance clearly does not have the required coverage under the law, making it eligible for classification as an uninsured motor vehicle.