What does "uninsured motorist coverage" provide?

Uninsured motorist coverage is specifically designed to protect individuals who are involved in accidents where the at-fault driver does not have insurance. This type of coverage allows the insured party to receive compensation for their medical expenses, lost wages, and other damages, just as they would if the at-fault driver were insured. The key aspect of this coverage is that it steps in when the negligent party lacks the financial responsibility required by law to cover damages resulting from an accident.

The other options describe various insurance scenarios but do not accurately represent the primary function of uninsured motorist coverage. For example, protection when involved in a hit-and-run is typically addressed through separate provisions, and coverage for insured drivers does not fall within the context of uninsured motorist coverage. Vehicle theft compensation is generally handled under different coverage types, such as comprehensive insurance, rather than through uninsured motorist provisions. Thus, the selection of the option regarding protection from at-fault drivers who lack insurance directly aligns with the core purpose of uninsured motorist coverage.