What defines an uninsured motor vehicle?

An uninsured motor vehicle is typically defined as one that does not have the legally required minimum insurance coverage for injury liability. This means that if a vehicle is involved in an accident and it fails to meet the mandated insurance limits for coverage of bodily injury, it is classified as uninsured. This definition is crucial because it allows for clarity in liability determinations and insurance claims processes.

The other choices refer to various situations or conditions regarding vehicles that may complicate insurance status, but they do not meet the established criteria for being categorized as uninsured. For example, a vehicle with inactive coverage is still classified as insured in some respect, even if the coverage is not currently in force. A vehicle that has never been registered for road use might not be an insured vehicle, but it is not specifically categorized as uninsured either. Lastly, a vehicle belonging to a family member does not inherently determine its insurance status; the focus on registration and liability coverage is more relevant to the definition of uninsured.

Therefore, identifying an uninsured vehicle revolves around the absence of the minimum required liability coverage, making the correct choice clear.