What is uninsured motorist coverage intended to protect against?

Uninsured motorist coverage is specifically designed to provide protection in situations where an insured individual is involved in an accident caused by a driver who does not have any insurance. This type of coverage ensures that if you are injured or your vehicle is damaged due to the actions of an uninsured driver, you can still receive compensation for your medical expenses, lost wages, and other damages that you may incur as a result of the accident.

This coverage is crucial because it addresses a gap in financial protection that can occur when an at-fault driver lacks the means to pay for the damages they caused. It effectively allows insured drivers to recover losses that would otherwise be uncollectible due to the negligent party's lack of coverage. Thus, the intent of uninsured motorist coverage is to safeguard policyholders against the repercussions of being involved in an accident with someone who cannot financially cover the damages.

In contrast, the other options do not accurately reflect the purpose of uninsured motorist coverage. Accidents caused by reckless drivers can involve insured individuals, vehicle theft or vandalism relates to comprehensive coverage, and natural disasters affecting vehicles fall under different insurance provisions, such as comprehensive coverage.