What is the purpose of uninsured motorist coverage?

Uninsured motorist coverage is designed to protect individuals in the event of an accident with a driver who does not carry insurance. This type of coverage helps cover medical expenses, lost wages, and other damages that the insured may incur as a result of the accident when the at-fault driver lacks insurance. It acts as a safety net, ensuring that the insured is not left without financial resources in a situation where they are not at fault but the other party is uninsured.

The other options relate to different aspects of automobile insurance but do not accurately define the purpose of uninsured motorist coverage. For instance, vehicle repairs are typically covered by collision or comprehensive coverage, not specifically by uninsured motorist coverage. Roadside assistance is a separate service intended to help drivers facing mechanical failures or other roadside emergencies. Lastly, damages from natural disasters would generally be covered under comprehensive insurance rather than uninsured motorist coverage, focusing instead on accidents involving uninsured drivers.