What does "uninsured motorist coverage" protect against?

Uninsured motorist coverage is designed to protect you in the event of an accident caused by a driver who does not have any insurance. This type of coverage becomes particularly important in situations where the negligent party lacks insurance and cannot compensate the other party for damages incurred as a result of the accident. Essentially, it allows the insured person to claim for their medical expenses, lost wages, and other related costs from their own insurance policy, thereby providing a safety net when it comes to financial recovery.

While accidents involving hit-and-run drivers might be covered under a different aspect of uninsured motorist coverage, the primary focus here is specifically on accidents where the other driver has no insurance at all. Hence, the coverage is critical for safeguarding against financial loss when involved with uninsured individuals on the road.