Which type of coverage could help if the driver is hit by a person with inadequate insurance?

Uninsured motorist protection is specifically designed to cover individuals who are injured or suffer damages due to an accident caused by a driver who either has insufficient insurance or no insurance at all. This type of coverage ensures that if you find yourself in an accident with an underinsured or uninsured motorist, you can still receive compensation for medical expenses, lost wages, and other damages resulting from the incident.

In contrast, collision coverage focuses on damage to your own vehicle regardless of who is at fault. Property damage liability only helps with damages you may cause to another person’s property. Bodily injury liability covers damages you may cause to another person’s body in an accident but does not provide coverage for your own injuries if the other driver lacks adequate insurance. Therefore, uninsured motorist protection directly addresses the issue of being hit by a driver with inadequate insurance.