What type of insurance covers medical bills and lost wages when involved in an accident with an uninsured driver?

Uninsured motorist bodily injury coverage is specifically designed to protect you in situations where you are involved in an accident with a driver who does not have insurance. This type of insurance can cover your medical expenses as well as compensate for lost wages if you are injured and unable to work due to the accident. It ensures that you are not left with financial burdens due to another party's lack of coverage.

Comprehensive insurance, on the other hand, protects your vehicle against non-collision-related damages such as theft or natural disasters, and does not cover medical expenses or lost wages from an accident. Liability insurance covers the damages you cause to another driver in an accident, but it does not provide any coverage for your injuries or lost wages. Lastly, collision insurance specifically covers damage to your own vehicle resulting from a collision, regardless of who is at fault, but similarly does not address medical costs or lost income. Therefore, the most appropriate type of insurance for the given scenario is uninsured motorist bodily injury coverage.