What type of coverage protects a client involved in an accident with an unidentified vehicle?

Uninsured Motorists (UM) coverage is specifically designed to protect insured individuals who are involved in accidents where the other party is either uninsured or identified as an unidentified vehicle, such as a hit-and-run driver. This type of coverage ensures that the insured has some form of financial recovery for bodily injury or damages sustained in an accident caused by another driver who lacks adequate insurance.

In the scenario of an accident with an unidentified vehicle, it is particularly relevant because the identity of the other driver is unknown, making it impossible to file a claim against their insurance. UM coverage steps in to provide the necessary protection for the insured, covering medical bills, lost wages, and other expenses that arise from the accident.

Collision coverage, on the other hand, helps cover damages to the insured's vehicle due to an accident, regardless of fault, but does not address bodily injury protection arising from unidentified vehicles. Underinsured Motorists (UIM) coverage protects against accidents where the other driver has insurance but their limits are insufficient, which does not apply to unidentified vehicles. Comprehensive coverage protects against non-collision-related incidents such as theft, vandalism, or natural disasters, but likewise does not apply to accidents caused by unidentified vehicles.