Which of the following statements is true regarding Uninsured Motorists coverage?

Uninsured Motorists (UM) coverage is designed to protect policyholders when they are involved in accidents with drivers who do not have insurance. One of the significant aspects of this coverage is its application beyond just car accidents. It covers not only injuries that the insured may sustain while inside their vehicle but also extends to accidents where the insured is a pedestrian.

In this context, the correct statement highlights that UM coverage applies to injuries sustained as a pedestrian. This means that if an insured is struck by an uninsured motorist while walking, they can still file a claim under their UM coverage for any resulting injuries. This broadens the protective capabilities of UM coverage, ensuring that individuals are safeguarded regardless of their location in relation to vehicles at the time of the incident.

Understanding this concept is crucial for policyholders, as it underscores the importance of having UM coverage in a comprehensive auto insurance policy. It provides peace of mind knowing that they are protected not only in their vehicles but also as pedestrians in interactions with uninsured drivers.