What type of accident does Uninsured Motorist Coverage in a PAP policy typically cover?

Uninsured Motorist Coverage in a Personal Auto Policy (PAP) is specifically designed to protect insured drivers when they are involved in accidents with drivers who do not carry any insurance. This coverage is crucial because it ensures that the insured party can receive compensation for bodily injury or property damage that occurs due to a collision with an uninsured driver.

The intent of this coverage is to fill the gap created by the absence of insurance on the other driver's part, thereby providing financial protection to the insured. It's essential for it to cover incidents involving drivers who have insufficient or no insurance, which is why this is the correct choice.

Understanding the nature of uninsured motorist coverage emphasizes its role in promoting financial responsibility on the road while providing peace of mind to responsible drivers who have the necessary insurance.