Under Part C (Uninsured and Underinsured Motorists) of an auto insurance policy, what is typically covered?

Part C of an auto insurance policy, which pertains to Uninsured and Underinsured Motorists coverage, is specifically designed to protect insured individuals in the event they are involved in an accident with a driver who has no insurance or insufficient insurance to cover the damages resulting from the accident. The key focus of this coverage is on bodily injury.

When a driver is at fault in an accident and does not have insurance, the insured can file a claim under this part of their policy to recover medical expenses, lost wages, and other damages related to bodily injuries sustained in that accident. This aspect of the coverage provides essential financial protection and support for victims who might otherwise face significant out-of-pocket costs due to the negligence of an uninsured motorist.

The other choices, while related to auto insurance concepts, do not accurately reflect what is covered under this specific part of the policy. For instance, property damage to the insured vehicle and repair costs for the vehicle would typically be covered under collision or comprehensive coverage, not under Part C. Pain and suffering damages, while they may be claimed in a personal injury lawsuit, are not directly addressed by the provisions of Part C in the policy. Thus, the correct answer highlights the primary purpose of Uninsured and Underinsured Motorists coverage