The term is derived from the primarily nocturnal habits of the owl. Usually, people who are night owls stay awake past midnight and extreme night owls may stay awake until just before or after dawn. Night owls tend to feel most energetic just before they go to sleep at night.
Motor carrier may refer to: Motor carrier (designation), a company which employs large semi-truck and bus drivers; Motor Carrier, an English automobile produced in 1904; See also. Federal Motor Carrier Safety Administration, an agency of the United States Department of Transportation; Motor Carrier Act (disambiguation) This disambiguation page lists articles associated with the title Motor carrier. If an internal link led you here, you may wish to change the link to point directly to the intended article.
BREAKING DOWN 'Uninsured Motorist Coverage-UM'. An uninsured motorist is one who has no insurance, does not have insurance that meets state-required minimum liability amounts, or whose insurance company is unwilling or unable to pay the claim. A hit-and-run driver would also be considered an uninsured motorist. Without this coverage, a person holding a regular automobile insurance policy may not receive payments if they are involved in an accident where the other party is at fault and uninsured.