Which liability coverage is designed to pay for bodily injuries sustained by an uninsured motorist?

Uninsured Motorists Coverage is designed specifically to pay for bodily injuries sustained by an insured party when the at-fault driver is uninsured. This coverage provides compensation for medical expenses, lost wages, and other damages that stem from an accident caused by an uninsured driver. It is essential as it helps protect individuals from the financial repercussions of an accident when the responsible party lacks adequate insurance, ensuring that victims still receive the care and support they need without exhausting their own resources.

The other types of coverage mentioned do not fulfill this specific need. Medical payments coverage typically pays for medical expenses regardless of fault but does not address scenarios where the other driver is uninsured. Personal injury protection also offers medical coverage but usually extends to cover lost wages and other expenses, rather than specifically compensating for bodily injuries caused by an uninsured motorist. Collision coverage focuses on the repair or replacement of the insured's vehicle after an accident and does not involve bodily injury claims. Thus, Uninsured Motorists Coverage is the most directly relevant type of coverage for this situation.