What is the purpose of uninsured motorist coverage?

Uninsured motorist coverage is specifically designed to protect drivers in scenarios where they are involved in an accident with another driver who does not have insurance. This type of coverage ensures that if an insured person is injured or their vehicle is damaged because of an accident caused by an uninsured driver, they can seek compensation for their losses.

The primary purpose of this coverage is to fill the gap in liability when the at-fault driver lacks the financial means to pay for damages. It allows the injured party to recover costs related to medical bills, lost wages, and other damages without having to rely on the at-fault party for compensation.

In contrast, the other options involve different aspects of auto insurance. Coverage for damages to one’s own vehicle typically falls under collision or comprehensive coverage, which deals specifically with damages to your vehicle regardless of fault. Paying for rental cars after an accident is usually covered under rental reimbursement coverage, not uninsured motorist coverage. Finally, medical expenses for injuries may be covered under personal injury protection (PIP) or medical payments coverage, which are different from uninsured motorist coverage.