Uninsured Motorist Coverage is required to cover which of the following?

Uninsured Motorist Coverage is designed to protect insured drivers when they are involved in accidents with uninsured or underinsured motorists. This coverage is primarily focused on bodily injuries sustained by the insured and their passengers when the at-fault driver does not have insurance or has insufficient coverage to pay for the damages.

The main purpose of this coverage is to ensure that individuals can obtain compensation for medical expenses, lost wages, and pain and suffering due to injuries suffered in an accident that occurs due to the negligence of a driver without adequate insurance. In many states, this coverage is mandatory, emphasizing its importance in protecting drivers from financial loss resulting from accidents involving uninsured parties.

While some forms of automobile insurance might cover property damage, Uninsured Motorist Coverage specifically targets bodily injury claims. Therefore, the answer indicating that it covers only bodily injuries recognizes that this particular coverage is not intended to address property damage or medical expenses separately from the damages related to bodily injuries sustained in an accident. This distinction is crucial for understanding what Uninsured Motorist Coverage entails and why it is a necessary part of auto insurance policies.