What is the purpose of uninsured motorist coverage?

Uninsured motorist coverage is designed specifically to protect drivers from financial losses that occur when they are involved in an accident with a driver who does not carry any insurance. This type of coverage ensures that, in the event of an accident where the other party is uninsured, the insured driver's own policy will kick in to cover the costs associated with damages or injuries sustained.

This coverage serves as a safety net, enabling drivers to recover compensation for medical expenses, lost wages, and pain and suffering, which they might otherwise be unable to do if the at-fault party lacks insurance. It can apply to both bodily injury and property damage situations, ensuring that the insured is not left financially vulnerable due to another driver's lack of insurance.

While hit-and-run accidents can also be covered under uninsured motorist provisions, the key aspect of uninsured motorist coverage is that it focuses on the situation of dealing with uninsured drivers rather than solely covering hit-and-run incidents. Additionally, it does not provide coverage specifically for vehicle repairs alone or focus exclusively on medical expenses, as it encompasses broader aspects of loss recovery.