What coverage is usually included to safeguard against uninsured drivers?

The coverage typically included to safeguard against uninsured drivers is uninsured/underinsured motorist coverage. This type of coverage is specifically designed to protect policyholders in the event that they are involved in an accident with a driver who does not have insurance or whose insurance is insufficient to cover the damages and medical expenses resulting from the accident.

Uninsured/underinsured motorist coverage provides important financial support by covering costs such as medical bills, lost wages, and damage to your vehicle when the at-fault driver lacks the necessary insurance. This ensures that individuals are not left financially vulnerable due to the actions of uninsured drivers, effectively filling a critical gap in personal auto insurance coverage.

While other types of coverage like comprehensive or collision coverage may address physical damage to your vehicle or other insured perils, they do not focus on the specific risk posed by uninsured motorists. Medical payments coverage, on the other hand, helps with medical expenses regardless of fault but does not address the lack of another party's insurance. Hence, uninsured/underinsured motorist coverage is the correct choice for the question posed.