In personal auto insurance, what does "uninsured motorist coverage" protect against?

Uninsured motorist coverage is designed to protect insured individuals from the financial losses they may incur as a result of an accident with a driver who does not have any insurance. This type of coverage ensures that if you're involved in an accident caused by an uninsured motorist, your insurance will cover your medical expenses, lost wages, and other damages, allowing you to recover without relying on the other party’s insurance, which is absent.

This coverage is particularly critical because many drivers might be uninsured, leading to potential out-of-pocket expenses for victims in such accidents. By having uninsured motorist coverage, you create a financial safety net that supports you in situations where the at-fault party lacks insurance coverage. This coverage is often included in personal auto insurance policies to provide comprehensive protection against various risks associated with driving.