Jack has an uninsured motorists coverage of $50,000 bodily injury per person without an endorsement. In his state, the minimum regulatory requirement for bodily injury liability insurance is $25,000 per person. Which of the following losses incurred by Jack will be covered by this uninsured motorists policy assuming that Jask has no fault?

I. Jack is hit by a driver who has a bodily injury liability insurance of $20,000 per person. Jack incurs a car damage of $25,000 and he is not injured.

II. Jack is hit by a negligent driver who has a bodily injury liability insurance of $25,000 per person. Jack incurs a medical expense of $30,000.

1. Both I and II

2. Neither I nor II

3. I only

4. II only