What does Uninsured Motorist Coverage (UM) pay for?

Uninsured Motorist Coverage (UM) is designed to provide benefits to insured individuals when they are involved in an accident with a driver who does not have any insurance coverage. The primary purpose of UM coverage is to protect the insured from financial losses due to the actions of an underinsured or uninsured driver.

In this context, when the responsible party has no insurance, UM coverage can cover various types of damages that arise from the accident, such as medical expenses, lost wages, and other economic and non-economic losses resulting from injuries. This coverage is crucial for ensuring that an insured person is not left to bear the financial burden alone when hit by a driver who is financially unavailable to compensate for the harm caused.

While other choices mention aspects of injuries or damages, they do not fully encapsulate the broad purpose of UM coverage. The focus of UM is specifically on scenarios where another driver lacks insurance, thus reinforcing the need for this particular coverage to fill the gaps.