What does "uninsured motorist coverage" protect against?

Uninsured motorist coverage is specifically designed to protect an insured driver in instances where they are involved in an accident with another driver who does not have insurance or does not have enough insurance to cover the damages. This type of coverage is crucial as it helps ensure that the insured party can recover damages for bodily injuries sustained in an accident that was not their fault, while the at-fault driver lacks adequate insurance.

This coverage typically extends to various scenarios, such as being struck by a hit-and-run driver or by a driver whose insurance limits are insufficient to cover the costs of medical bills and other damages. It serves as a financial safety net for individuals who might otherwise face significant out-of-pocket expenses due to circumstances beyond their control. Thus, indicating that uninsured motorist coverage addresses bodily injury when the other party is uninsured or underinsured is accurate and reflects the primary purpose of this coverage.