How much would Al collect under Uninsured Motorist coverage in the given scenario?

To determine how much Al would collect under Uninsured Motorist (UM) coverage, it's essential to understand how UM coverage is structured. This type of insurance is designed to protect policyholders in accidents where the at-fault driver does not have insurance or doesn't have sufficient insurance to cover the damages.

In the scenario provided, if Al has a total claim amount due to injuries or damages of $100,000 and the at-fault driver is uninsured, Al's UM coverage would come into play. Given that he carries a UM policy limit of $40,000, this amount would be the maximum he can collect under his UM coverage.

The benefits of UM coverage are crucial for protecting individuals from financial loss in the event of an accident with an underinsured or uninsured driver. Thus, in this scenario, Al can collect $40,000, which is his policy limit under the Uninsured Motorist coverage, aligning the answer with the choice indicating $40,000.

This concept reinforces the importance of reviewing coverage limits carefully so that individuals are adequately protected in the event of an accident with an uninsured driver.