What is the primary function of "uninsured motorist coverage"?

Uninsured motorist coverage is designed specifically to protect drivers and their passengers when they are involved in an accident with a driver who does not have insurance. This type of coverage ensures that policyholders have financial protection when faced with the potentially significant costs resulting from an accident caused by someone lacking adequate insurance. This includes coverage for medical expenses, lost wages, and other damages that the insured may incur due to the accident, effectively acting as a safety net when the responsible party cannot provide compensation.

The other options do not accurately depict the primary function of uninsured motorist coverage. Legal support, vehicle repair costs, and payments for medical expenses of third parties fall outside the scope of this specific insurance feature. Uninsured motorist coverage primarily addresses the gaps left by uninsured drivers, enabling the insured to recover damages without depending on the at-fault party's insurance, which they may not have.