Under Part C of the Personal Auto Policy, what does UM and UIM coverage specifically address?

The correct response accurately identifies that UM (Uninsured Motorist) and UIM (Underinsured Motorist) coverage is specifically designed to address bodily injuries sustained by the insured and their passengers in accidents where the at-fault party either does not have insurance (uninsured) or does not have sufficient insurance to cover the damages (underinsured). This type of coverage is critical because it ensures that individuals have a safety net for medical expenses and associated costs when they are involved in accidents caused by drivers who are either not financially responsible or inadequately insured.

The focus of UM and UIM coverage is on protection against the financial repercussions of these scenarios, thereby enabling the insured to receive necessary compensation for their injuries despite the shortcomings of the at-fault party's insurance. This makes it an essential component of personal auto insurance policies for providing peace of mind and financial security in case of accidents involving other drivers who fail to meet their insurance obligations.