What is Uninsured Motorist Coverage intended for?

Uninsured Motorist Coverage is specifically designed to protect policyholders in the event they are involved in an accident with a driver who does not have any insurance. This type of coverage ensures that if you sustain injuries or your vehicle incurs damages due to the actions of an uninsured driver, you can still receive compensation for your losses. It fulfills the gap left by the absence of the at-fault party's insurance, allowing you to seek reimbursement for medical expenses, lost wages, and other associated costs after the accident.

In contrast, the other options address different types of protection and do not relate to automobile coverage for accidents involving uninsured drivers. Identity theft protection pertains to safeguarding personal information rather than vehicle accidents. Reimbursement for stolen vehicles is related to theft coverage, and insurance against natural disasters falls under a different category of property insurance altogether. Thus, the focus of Uninsured Motorist Coverage is clearly on providing coverage for injuries and damages resulting from encounters with uninsured individuals on the road.