Which of the following best describes "uninsured motorist coverage"?

Uninsured motorist coverage is designed specifically to protect an insured individual in the event they are involved in an accident with a driver who does not carry liability insurance. This type of coverage allows the insured to receive compensation for damages such as medical expenses, lost wages, and pain and suffering that occur as a result of an accident where the at-fault driver is uninsured. This coverage is essential in states where it is mandatory, and it serves as a safeguard against the financial burdens that can arise from accidents involving uninsured drivers.

The other options presented do not accurately describe uninsured motorist coverage. For instance, some refer to scenarios that are specific to different types of insurance or protections entirely unrelated to uninsured motorists, such as liability for the insured's own vehicle or natural disasters. Therefore, the selected option provides a precise representation of the purpose and benefits of uninsured motorist coverage within the context of auto insurance.