Which coverage is specifically designed for injuries caused by hit-and-run drivers?

Uninsured motorist coverage is specifically designed to protect individuals from injuries caused by hit-and-run drivers, as well as accidents involving drivers who do not have insurance. This type of coverage ensures that if a driver is injured in an accident with a hit-and-run vehicle, they can receive compensation for their medical expenses, lost wages, and other damages, even though the responsible party is unidentified.

In contrast, liability coverage primarily protects the policyholder against claims from other parties for bodily injury or property damage, but does not cover the policyholder's own injuries in accidents involving uninsured drivers. Medical payments coverage focuses on paying medical expenses for the policyholder and passengers, regardless of fault, but it does not address the lack of coverage from a hit-and-run driver. Personal injury protection offers wider benefits, including medical expenses and lost wages, but its specific intent is not primarily aimed at addressing incidents involving hit-and-run drivers. Therefore, uninsured motorist coverage directly addresses the risk posed by these types of accidents.