What is the primary purpose of uninsured motorist coverage in auto insurance?

The primary purpose of uninsured motorist coverage is to protect insured drivers from situations where they are involved in an accident with another driver who does not have any auto liability insurance. This type of coverage is designed to ensure that an insured party can still receive compensation for bodily injuries and damages that result from an accident caused by an uninsured motorist. It essentially fills the gap created when another driver lacks the necessary insurance to cover the costs associated with an accident, allowing the insured to have a source of recovery for their medical expenses and other losses.

This coverage is particularly important because it helps mitigate the financial impact on the insured when they are not at fault yet face uncovered expenses due to the other party's lack of insurance. It also encourages responsible driving by ensuring that there is a form of financial protection for those who comply with insurance regulations.