Which coverage protects the insured from uninsured motorist claims in an accident?

Uninsured automobile coverage is specifically designed to protect individuals who are involved in an accident where the other driver is at fault but does not have car insurance or has insufficient insurance to cover the damages. This type of coverage provides compensation for medical expenses, lost wages, and other damages that result from the accident, helping the insured avoid financial loss due to another party's lack of insurance. The need for this coverage arises from the potential risk of encountering drivers without adequate insurance in the event of an accident, ensuring that the insured is protected regardless of another party's insurance status.

Comprehensive coverage generally protects against damage to one's own vehicle from non-collision events, while bodily injury coverage pertains to injuries sustained by others in an accident for which the insured is liable. Collision coverage covers damages to the insured's vehicle resulting from a collision, regardless of fault, but does not address the scenario where another driver lacks insurance. Thus, uninsured automobile coverage is the most relevant and necessary option for safeguarding against inadequately insured motorists.