Which type of coverage allows the insured to collect for bodily injury when hit by an uninsured motorist?

Uninsured Motorist Coverage is specifically designed to protect insured individuals in the event that they are in an accident caused by a driver who does not have insurance. This type of coverage enables the insured to recover damages for bodily injury resulting from such accidents, ensuring financial protection against drivers who lack the necessary liability insurance. This coverage is particularly important in states like New Jersey, where a significant number of accidents involve uninsured motorists.

Collision Coverage, on the other hand, focuses on damage to the insured's own vehicle in the event of an accident, regardless of who is at fault, but does not cover bodily injuries. Comprehensive Coverage provides protection against damages to the vehicle that are not related to collisions, such as theft or natural disasters, but again, it does not address bodily injury. Personal Injury Protection offers benefits for medical expenses and lost wages regardless of who is at fault, but it does not specifically cover injuries caused by uninsured motorists. Hence, Uninsured Motorist Coverage is the most appropriate choice for collecting damages for bodily injury in such scenarios.