What is the primary purpose of the uninsured motorist coverage within a PAP?

The primary purpose of uninsured motorist coverage within a Personal Auto Policy (PAP) is to pay for bodily injury sustained by the insured and their passengers when involved in an accident with an uninsured driver. This coverage is crucial as it ensures that individuals can receive compensation for medical expenses, lost wages, and other damages related to their injuries caused by a driver who does not have insurance.

This type of coverage is designed specifically to protect insured parties from situations where the at-fault party lacks adequate insurance, thereby ensuring that the insured is not left with financial burdens due to someone else's lack of coverage.

While protecting the vehicle from damage or covering theft pertains to physical damage and comprehensive coverages, and additional liability coverage refers to more financial protection against claims made by others for property damage or injuries, these do not align with the main function of uninsured motorist coverage, which is focused on bodily injury recovery for the insured.