What is "uninsured motorist coverage" in auto insurance?

Uninsured motorist coverage is designed to protect policyholders in the event of an accident with a driver who does not carry any insurance. This type of coverage serves as a safety net, ensuring that if the insured is involved in a collision and the at-fault party lacks insurance, they can still receive compensation for medical expenses, lost wages, and other damages incurred as a result of the accident.

This coverage is particularly important because it addresses the risks posed by uninsured drivers on the road, which can be a significant issue in many areas. Without such coverage, individuals might find themselves facing substantial out-of-pocket costs if they are injured or suffer damages in an accident that is not their fault, merely because the responsible driver did not have insurance.

In this context, the other options provided do not accurately capture the scope of uninsured motorist coverage. Some address aspects of insurance that are related, like damages to a vehicle or situations involving underinsured drivers, but they do not convey the crucial aspect of protection specifically against uninsured individuals. This makes the chosen answer clearly aligned with the definition and purpose of uninsured motorist coverage in auto insurance.