What does uninsured motorist coverage provide?

• A. Coverage for damage to one's own vehicle
• B. Protection when involved with an uninsured or underinsured driver
• C. Basic liability coverage for all drivers
• D. Coverage for theft of the vehicle

Answer: (B)

Uninsured motorist coverage is designed specifically to protect an insured individual in the event that they are involved in an accident with a driver who either lacks insurance or does not have sufficient coverage to pay for the damages resulting from the accident. This type of coverage ensures that if the insured is injured or incurs vehicle damage due to the negligence of an uninsured or underinsured driver, they can still receive compensation for their losses.

This coverage fills a crucial gap in the insurance system, as it allows insured drivers to recover damages that would otherwise be difficult to claim when the at-fault party does not have the necessary financial backing to cover the costs. This means that even if the other driver is financially unable to compensate for damages, the insured still has recourse through their own policy.

The other options reflect different types of coverage that do not pertain to uninsured motorists. For example, coverage for damage to one's own vehicle focuses on collision or comprehensive coverage rather than liability related to other drivers. Basic liability coverage for all drivers pertains to the minimum insurance required to operate a vehicle legally and does not specifically address protection against uninsured motorists. Coverage for theft of the vehicle focuses solely on theft incidents and does not support the insured in the context of accidents involving other drivers.