When is "uninsured motorist coverage" typically used?

Uninsured motorist coverage is designed to protect insured individuals in scenarios where they are in an accident with a driver who does not have insurance. This coverage comes into play when the at-fault party lacks the financial responsibility to compensate for damages due to their lack of insurance. In this case, the insured can turn to their own uninsured motorist policy to cover medical expenses, lost wages, and other damages resulting from the collision.

Additionally, it is worth noting that while hit-and-run scenarios might also utilize this same coverage, the fundamental purpose of uninsured motorist coverage is specifically geared towards incidents involving drivers who have no insurance. This makes it crucial for drivers to understand and consider adding this coverage to their policies to ensure they are financially protected in the event of an accident with an uninsured driver.