What type of insurance coverage is provided by the uninsured motorist fee?

The uninsured motorist fee provides minimal insurance coverage, which is designed to protect you in the event that you are involved in an accident with a driver who does not have insurance or whose insurance is insufficient to cover your damages. This type of coverage typically helps pay for medical expenses, lost wages, and other damages resulting from the accident.

It is important to understand that this coverage does not encompass all potential damages or provide comprehensive protection, which is why it's labeled as minimal coverage. It specifically addresses situations involving uninsured or underinsured motorists, emphasizing its role in safeguarding against gaps in other drivers' insurance situations.

In contrast, full coverage entails a broader range of protections, collision coverage specifically addresses damages to your own vehicle from accidents, and theft coverage focuses on loss or damage from theft incidents. Each of those options covers different scenarios and does not align with the specific protections offered by the uninsured motorist fee.