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Uninsured motorist coverage is designed to protect the insured in situations where they are involved in an accident with a driver who does not have any insurance. This coverage can help cover medical expenses, lost wages, and other damages that the insured would typically seek from the at-fault party, thereby providing a safety net in scenarios where the responsible party lacks the financial resources to compensate for the injuries and damages caused by the accident.

This type of coverage becomes particularly important since statistics show that a significant number of drivers operate their vehicles without insurance. Thus, if an accident occurs and the other driver has no insurance to cover the costs, the insured can rely on their uninsured motorist coverage to help mitigate the financial burden associated with the incident.

In contrast, other options do not accurately describe uninsured motorist coverage. For example, coverage that pays for damages to one's own vehicle would be related to collision coverage or comprehensive coverage, while liability coverage pertains to injuries or damages caused to others. Coverage for damages caused by natural disasters falls under a different category, typically referred to as comprehensive coverage. Hence, option B is the correct characterization of uninsured motorist coverage.