What does Uninsured Motorists (UM) Coverage protect against?

Uninsured Motorists (UM) Coverage specifically provides financial protection to insured individuals in the event they are involved in an accident with a driver who does not carry any insurance. This coverage also applies in situations where the other driver is not identified, such as hit-and-run accidents. The primary purpose of UM coverage is to ensure that the insured can recover damages for bodily injury and, in some cases, property damage when the at-fault party lacks adequate insurance to cover these liabilities.

This makes UM coverage essential for safeguarding against the risks posed by uninsured drivers and incidents where it is impossible to determine the at-fault party. Unlike the other options, which involve different types of liabilities or scenarios, UM coverage is specifically tailored to address the concerns of being in an accident with drivers lacking sufficient or any insurance.