Does uninsured motorist coverage protect the driver of an uninsured vehicle?

Uninsured motorist coverage is designed to protect an insured driver in the event of an accident caused by another driver who does not have insurance or has insufficient insurance to cover the damages. In this context, the key point is that uninsured motorist coverage applies to the insured driver, not the driver of the uninsured vehicle.

The coverage will provide compensation for medical expenses, lost wages, and other damages that the insured incurs because of the accident. Therefore, a driver who is operating an uninsured vehicle would not be protected by their own or anyone else’s uninsured motorist coverage. This is because the policy is meant to safeguard the insured against the risks posed by other drivers, not to extend protection to those who do not carry insurance themselves.

The options regarding serious accidents or familial relations are not relevant to the basic function of uninsured motorist coverage, which focuses solely on the insured's protection from losses incurred due to an uninsured third party. Thus, the assertion that uninsured motorist coverage does not protect the driver of an uninsured vehicle is accurate and aligns with the purpose of this coverage in personal lines insurance.