Under the Personal Auto policy, what does Uninsured Motorists coverage provide?

Uninsured Motorists coverage is designed to protect insured individuals from situations where they are involved in accidents with motorists who do not carry any insurance or who have insufficient insurance to cover the damages. The primary function of this coverage is to provide compensation for bodily injury that the insured is legally entitled to recover, similar to how they would be compensated if they were in an accident with an insured driver.

This coverage helps pay for medical expenses, lost wages, and other damages related to injuries incurred in an accident caused by an uninsured motorist. It ensures that individuals are not left without recourse for injuries when the responsible party lacks adequate insurance. It's an essential part of a Personal Auto policy as it addresses gaps in financial protection for the insured.

The other options do not accurately represent the full scope of Uninsured Motorists coverage. Vehicle damage or property damage are either covered under different aspects of auto insurance (such as comprehensive or collision coverage) or specifically excluded from Uninsured Motorists coverage. Therefore, understanding this coverage's specific focus on bodily injury is crucial for comprehending personal auto insurance protections.