What is meant by "uninsured motorist coverage"?

Uninsured motorist coverage is specifically designed to protect an insured driver who finds themselves involved in an accident with another driver who does not carry insurance. This coverage ensures that the insured can claim benefits for personal injuries or damages incurred due to the actions of an uninsured motorist. The importance of this type of coverage lies in the fact that it provides a safety net for drivers, as encountering an uninsured driver can leave the innocent party facing significant medical expenses or vehicle repairs without any recourse for compensation from the at-fault party.

The other choices propose different types of insurance that do not relate to the scenario of accidents involving uninsured drivers. Coverage for theft, natural disaster-related damage, or health coverage for drivers targets entirely different aspects of insurance needs, highlighting why these options do not fit the definition of uninsured motorist coverage.