What does Uninsured Motorist coverage protect against?

Uninsured Motorist coverage is designed to protect you in situations where you sustain injuries due to an accident caused by a driver who does not have insurance or is underinsured. It provides financial assistance for medical expenses, lost wages, and other damages resulting from the collision in these scenarios. This coverage also extends to hit-and-run accidents, ensuring that if you are injured by a driver who flees the scene or cannot be identified, you still receive compensation for your injuries.

While some options relate to vehicle damage or property coverage, Uninsured Motorist coverage specifically focuses on the bodily injury aspect, ensuring that victims are protected despite the lack of insurance from the at-fault driver. Consequently, this coverage plays a crucial role in providing financial security for medical costs arising from accidents involving uninsured or underinsured motorists.