Within what context does the term "phantom vehicle" frequently arise?

The term "phantom vehicle" typically arises in the context of insurance claims related to unidentified vehicles. This situation occurs when a driver is involved in an accident without direct contact with another vehicle, often leading to claims for damages or injuries sustained due to the incident. For example, if a driver suddenly swerves to avoid hitting a car that is not visible or flees the scene after a collision, the initial vehicle becomes a "phantom vehicle." In such cases, individuals may need to rely on their own uninsured motorist coverage, as the vehicle responsible for the incident cannot be identified or held accountable.

The other options do not accurately reflect the primary use of the term; they focus more on transportation regulations or situations involving identifiable vehicles rather than the unique challenges posed by encounters with unidentified vehicles.