Who is considered an "Uninsured Motorist"?

The term "Uninsured Motorist" refers specifically to a driver who does not have any liability insurance, bond, or cash deposit that meets the state’s required amount. In this context, the correct answer accurately captures the essence of being uninsured, which means the driver lacks any form of financial backing that would protect other parties in the event of an accident for which they are liable.

In many jurisdictions, including Oklahoma, drivers are mandated to carry a certain minimum amount of liability insurance to ensure that they can cover damages or injuries they may cause to others on the road. Therefore, a driver who has no insurance at all falls into the category of an uninsured motorist, making them a significant concern for other road users.

The other options do not fit the specific definition of an uninsured motorist. A driver who has liability insurance meeting state minimum standards is considered insured. An underage driver may face difficulties in obtaining insurance but does not constitute an uninsured motorist merely because of their age. Lastly, a driver with expired insurance coverage may still be in violation of legal requirements, but the important factor here is whether they have any insurance at all, which in the case described, they do not. Therefore, they would still be classified as uninsured.