What does "uninsured motorist coverage" protect against?

Uninsured motorist coverage is designed specifically to protect the insured when they are involved in an accident with a driver who does not have insurance. This coverage allows the insured to claim compensation for their losses, such as medical expenses and pain and suffering, when the at-fault driver is unable to pay due to their lack of insurance.

This type of coverage is crucial because it addresses situations where the other party's negligence would otherwise leave the insured without recourse for damages. Other types of protections, such as those regarding vehicle damage, lost wages, or damages from natural disasters, fall under different insurance provisions that do not directly relate to the issue of driving without insurance.