What does "uninsured motorist coverage" provide?

Uninsured motorist coverage is designed primarily to protect you in the event that you are involved in an accident with a driver who does not have insurance. This type of coverage allows you to claim damages that you would otherwise struggle to recover from the at-fault party due to their lack of insurance. Essentially, if you are hit by an uninsured driver, this coverage helps cover your medical expenses, lost wages, and other damages resulting from the accident, ensuring that you're not left financially vulnerable because of someone else's negligence.

This coverage is particularly important because many drivers don't carry insurance, and without this type of protection, you could face significant out-of-pocket expenses following an accident. Understanding the role of uninsured motorist coverage is crucial for drivers to ensure they have adequate financial protection while on the road.