What type of coverage does "uninsured motorist" insurance provide?

Uninsured motorist insurance provides coverage specifically for damages incurred when the insured is involved in an accident with a driver who does not have any insurance. This coverage is designed to protect the insured from financial loss resulting from the negligence of an uninsured driver, ensuring that they can receive compensation for medical expenses, lost wages, and other damages stemming from the accident. This type of insurance is particularly valuable in situations where the at-fault party lacks the means to pay for the damages they have caused, allowing the insured to still receive necessary financial support despite the other driver's lack of insurance.

The other coverage types mentioned, while related to automotive incidents, do not fall under the definition of uninsured motorist insurance. For instance, coverage for hit-and-run drivers relates more closely to underinsured motorist coverage or comprehensive policies that address specific circumstances when the at-fault driver cannot be identified. Coverage for damages to your vehicle regardless of fault pertains to collision insurance, which protects the vehicle itself rather than the insured's bodily injuries or losses. Lastly, coverage for damages to pedestrians typically falls under liability coverage, which addresses the responsibility an insured might have toward others, rather than covering the insured's own damages. Thus, option A accurately captures the essence of what uninsured motorist insurance