What does the Uninsured Motorist coverage usually include?

Uninsured Motorist coverage is designed to protect insured drivers from the financial implications of accidents caused by drivers who do not have insurance or who are underinsured. It typically includes not only coverage for accidents directly involving an uninsured driver but also provisions for situations where the driver cannot be identified, such as hit-and-run incidents. This coverage ensures that the insured can claim medical expenses, lost wages, and other related costs when they are involved in an accident with an uninsured motorist or in a hit-and-run scenario.

While medical expenses could be a part of the benefits provided under Uninsured Motorist coverage, the primary focus is the protection against both hit-and-run drivers and those without insurance. Comprehensive property damage, vehicle theft, or specific medical expenses are not the main components of this type of coverage. Instead, the essence of Uninsured Motorist coverage lies in safeguarding the insured from situations where liability cannot be adequately covered due to the lack of insurance from the other party involved in the accident.