Which form of auto insurance coverage protects against damages caused by an uninsured driver?

Uninsured Motorist Coverage is specifically designed to protect drivers and their passengers from the financial consequences of an accident caused by a driver who does not have insurance. This type of coverage ensures that if you are involved in a collision with an uninsured motorist, you can still recover damages for bodily injuries and, in some cases, property damage.

This coverage typically includes costs related to medical expenses, lost wages, and pain and suffering, providing crucial financial support in situations where the at-fault party lacks adequate insurance. Its primary purpose is to fill the gap left by uninsured drivers, ensuring that victims can receive compensation regardless of the negligence of the uninsured party involved in the accident.

In contrast, the other options do not specifically offer protection against drivers without insurance. Liability coverage protects you when you are at fault for an accident, collision coverage covers damages to your own vehicle regardless of fault, and comprehensive coverage deals with non-collision-related incidents like theft or natural disasters.