What does "uninsured motorist coverage" protect against?

Uninsured motorist coverage is designed to protect individuals in the event of an accident caused by a driver who does not have insurance. This type of coverage ensures that if you are involved in an accident where the at-fault party lacks insurance, you can still receive compensation for your injuries and related damages. It fills the gap that would otherwise leave you potentially without recourse for recovery when faced with medical expenses, lost wages, or other costs resulting from the accident.

The other options do not relate to the primary function of uninsured motorist coverage. Accidents caused by insured drivers would typically involve claims made against their insurance. Theft of personal belongings from the car falls under different types of coverage, such as comprehensive insurance. Similarly, damages from natural disasters are covered under separate policies that deal with property damage rather than liability or bodily injury tied to motor vehicle accidents.