Which type of coverage protects against damages caused by uninsured drivers?

Uninsured motorist bodily injury coverage is designed specifically to protect individuals in the event they are involved in an accident with a driver who does not have insurance. This type of coverage will provide the insured with compensation for medical expenses, lost wages, and other damages resulting from injuries sustained due to the accident caused by the uninsured driver. It serves as a critical safety net for drivers who might otherwise be left without recourse for their injuries if the at-fault party lacks insurance.

The other options do not fulfill this purpose. Property protection insurance typically focuses on covering damages to the insured's property and may not cover bodily injuries. Medical payments coverage is intended to cover medical expenses for injuries sustained in an accident, regardless of fault, but it does not specifically address the situation of uninsured drivers. Liability coverage is aimed at protecting against claims from other parties when you are at fault in an accident, but it does not provide coverage for bodily injuries you might suffer from an uninsured driver.