What can an uninsured motorist policy cover in an accident?

An uninsured motorist policy is designed primarily to protect the insured in the event of an accident caused by a driver who does not have insurance coverage. This type of policy typically covers bodily injury expenses for the insured, which includes medical bills, lost wages, and other damages related to physical injuries sustained in a collision with an uninsured driver.

The focus of uninsured motorist coverage is to ensure that individuals who are victims of accidents caused by uninsured parties still have a means to receive compensation for their injuries. This is crucial for safeguarding against situations where a responsible driver suffers due to another driver's lack of insurance.

Other options, like coverage for property damage for the uninsured driver, medical expenses exceeding total coverage, or all types of vehicular accidents, do not align with the primary intent and limitations of uninsured motorist policies, which specifically aim to support the insured individual's recovery from bodily injuries.