What does uninsured motorist coverage protect against?

Uninsured motorist coverage is specifically designed to protect insured drivers when they are involved in accidents caused by drivers who either do not have insurance or do not have enough insurance to cover the damages. This type of coverage serves as a safety net, ensuring that if an insured driver is injured or suffers property damage in such a scenario, they can still receive compensation for their losses. It essentially addresses the risk associated with encountering uninsured or underinsured drivers on the road, thus helping to secure financial support in cases where another party is unable to fulfill their responsibility due to lack of coverage.

In contrast, the other options don't accurately represent the purpose of uninsured motorist coverage. For instance, coverage does not provide protection in accidents with insured drivers, nor does it address legal liabilities directly. Additionally, it is not meant to cover vehicle theft or damage unrelated to an uninsured motorist situation.