What does an Uninsured Motorist policy protect against?

An Uninsured Motorist policy is designed specifically to provide protection for individuals involved in accidents with drivers who do not have any insurance. When a policyholder is in an accident caused by another driver who lacks insurance coverage, the Uninsured Motorist policy steps in to cover the policyholder’s medical expenses, lost wages, and other damages that result from the accident. This coverage ensures that individuals are not left without recourse for financial recovery when injured due to the negligence of an uninsured party.

In contrast, the other options pertain to different situations that are not covered by an Uninsured Motorist policy. Medical costs accrued when driving without insurance are not related to the Uninsured Motorist policy, as those costs stem from the driver's lack of coverage rather than an accident caused by another party. Legal fees for uninsured drivers are also not addressed by this type of policy as it is intended for protecting the insured motorist, not uninsured individuals. Lastly, impound fees arise from violations related to driving without insurance and not from being involved in an accident, which means they also fall outside the scope of what an Uninsured Motorist policy covers.