Which statement is not true about Uninsured Motorist coverage?

Uninsured Motorist coverage primarily focuses on providing protection for injuries and damages that the insured and their passengers may suffer due to an accident involving an at-fault driver who does not have insurance. The purpose of this type of coverage is to ensure that individuals can still recover costs related to medical expenses, lost wages, and other related damages when they are involved in a collision with an uninsured vehicle.

The assertion that it covers damages to the insured vehicle is not accurate. Uninsured Motorist coverage is typically designed to address bodily injury rather than providing coverage for property damage to the insured's vehicle. For vehicle damage caused by an uninsured driver, separate coverage options such as Collision coverage would be necessary.

The other statements highlight important aspects of Uninsured Motorist coverage. It does provide protection against hit-and-run drivers, as the insured can claim benefits if the responsible driver cannot be identified. Additionally, it covers injuries sustained while riding in another vehicle, which is crucial for protecting passengers in situations where an accident is caused by an uninsured driver. Lastly, it addresses economic losses resulting from accidents, ensuring that individuals can seek financial restitution for lost income and other related expenses resulting from the injury.