What does "uninsured motorist coverage" protect against?

Uninsured motorist coverage is specifically designed to protect you in situations where you are involved in an accident with a driver who does not have insurance. This type of coverage helps pay for medical expenses, lost wages, and other damages if you are injured as a result of the accident caused by the uninsured driver. It serves as a safeguard for your own financial well-being when the at-fault party lacks the required insurance to cover your expenses.

While accidents involving hit-and-run drivers may be covered under uninsured motorist coverage, the focus of this type of protection is primarily on the scenario where the other driver is uninsured rather than evasive. Other options like damage to your own vehicle and property damage while parked address different types of coverage and are typically covered under different policies, such as collision or comprehensive coverage. Thus, the selected answer identifies the core function of uninsured motorist coverage accurately, emphasizing its role in protecting against financial losses from injuries when dealing with an uninsured driver.