What type of coverage is uninsured motorist's protection?

Uninsured motorist protection is designed specifically to cover costs incurred by the insured when involved in an accident with a driver who does not have insurance. This type of coverage ensures that if the insured is hit by an uninsured driver, they can still receive compensation for damages and injuries, allowing them to recover without financial loss from the accident.

This coverage typically includes medical expenses, lost wages, and other damages that would have been covered if the at-fault driver had insurance. Understanding this concept emphasizes the importance of having adequate protection against all potential risks on the road, particularly since not every driver carries the necessary insurance.

The other options focus on different aspects of vehicle coverage that do not correctly relate to the specific nature of uninsured motorist protection. For instance, options related to covering repairs or legal expenses do not capture the primary function of uninsured motorist protection, which revolves around compensation from a lack of insurance from another party.