Which type of auto insurance protects against damage caused by accidents with uninsured drivers?

Uninsured/underinsured motorist coverage is specifically designed to protect you in the event of an accident where the other driver is either uninsured (lacks any insurance coverage) or underinsured (has insufficient coverage to pay for the damages). This type of insurance steps in to cover your costs, including medical expenses and property damage, when the at-fault party cannot fulfill their financial responsibilities due to the lack of adequate insurance.

While collision coverage provides protection for your vehicle damages regardless of fault during an accident, this does not address situations where the other driver does not have insurance. Similarly, comprehensive coverage offers protection against non-collision-related incidents, such as theft or natural disasters, which is also not relevant in the context of accidents with uninsured drivers. Liability coverage, on the other hand, covers damages you cause to others, but does not protect you from damages incurred when the other driver is uninsured. Therefore, the focus on uninsured or underinsured motorist coverage highlights its unique role in safeguarding your interests when the responsible party lacks sufficient insurance.