Uninsured/Underinsured Motorist coverage provides protection for bodily injury when the other driver lacks adequate coverage.

• A. It covers only medical expenses
• B. It covers property damage caused by uninsured motorists
• C. It is optional for some drivers
• D. It provides protection for bodily injury when the other driver lacks adequate coverage

Answer: (D)

Uninsured/Underinsured Motorist coverage is designed to step in when the driver who caused your injury either has no insurance or not enough coverage to pay for your damages. Its main purpose is bodily injury protection—covering medical costs, lost wages, and other related damages you suffer because of that driver, up to your policy limits. It does not focus on property damage, which is handled by other coverages (like collision or, in some cases, separate uninsured motorist property damage). This aligns with the choice that says it provides protection for bodily injury when the other driver lacks adequate coverage. The other options misstate the scope—restricting it to medical expenses, mislabeling it as covering property damage, or focusing on its optional status rather than its bodily injury purpose.