What type of coverage protects a driver in an accident with an uninsured motorist?

Uninsured motorist coverage is designed specifically to protect a driver in the event of an accident with a motorist who does not have insurance. This type of coverage ensures that if you are involved in a collision with an uninsured driver, you can still receive compensation for medical expenses, lost wages, and other damages resulting from the accident, as though you were able to make a claim against the other driver's insurance.

Liability coverage, while important, only protects you in terms of covering damages for which you are found responsible to other parties. It does not cover your own injuries or damages if the other party is uninsured. Comprehensive coverage protects against events such as theft, vandalism, or natural disasters, rather than accidents involving other vehicles. Collision coverage pertains to damages to your vehicle as a result of a collision, regardless of fault, but does not address scenarios involving uninsured parties. Thus, the best fit for protecting a driver facing an accident with an uninsured motorist is uninsured motorist coverage.