What type of coverage protects the insured from damages caused by uninsured motorists?

Uninsured motorist coverage provides essential protection for the insured in scenarios where they sustain damages caused by a driver who does not have insurance. This type of coverage ensures that if an uninsured driver is at fault in an accident, the insured can still recover their medical expenses, lost wages, and any damage to their vehicle up to the policy limits. By having this coverage, it fills the gap left when another party cannot provide compensation due to a lack of insurance.

In contrast, underinsured motorist coverage comes into play when the at-fault driver has insurance, but their coverage limits are insufficient to cover the damages. Collision coverage pays for damage to the insured's vehicle regardless of who is at fault, while comprehensive coverage protects against non-collision-related incidents, such as theft or natural disasters, rather than driver liability situations. Thus, uninsured motorist coverage specifically addresses the risk associated with other drivers lacking insurance, making it the most appropriate choice.