What type of damages does Uninsured Motorist Property Damage insurance cover?

Uninsured Motorist Property Damage insurance specifically addresses the situation where a policyholder's vehicle sustains damage due to the actions of an uninsured motorist. This type of coverage is designed to protect individuals when they are involved in an accident where the other party is at fault but does not have insurance to compensate for the damages.

Choosing this option highlights the focus of the coverage on physical damage to the policyholder's automobile, ensuring that the insured can recover financially for repairs or replacement costs stemming from the accident.

The other choices refer to different types of coverage. Bodily injury protections are covered under separate bodily injury liability or uninsured motorist bodily injury policies, while coverage for lost wages and medical expenses addresses personal injury protection or medical payments coverage, which are also distinct from property damage. Thus, the emphasis of Uninsured Motorist Property Damage insurance is clearly on property damage to the automobile caused by a negligent uninsured driver, making the selected option the correct one.