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Uninsured Motorist Coverage is designed to protect insured individuals when they are involved in an accident with a driver who does not have insurance or has insufficient coverage to pay for damages. The coverage typically comes into play when the insured party is not at fault in the accident, enabling them to recover damages that they would otherwise not be able to collect due to the other driver’s lack of insurance. This protection is vital for ensuring that individuals can receive compensation for their injuries and damages, regardless of the at-fault party’s insurance status.

The other statements do not accurately reflect the nature of Uninsured Motorist Coverage. It is not universally offered by all insurers, and its availability can vary based on state or provincial regulations. Additionally, it is not provided by the government in every jurisdiction, as the implementation of this coverage is often left up to private insurance providers. Lastly, the coverage is not identical in all provinces, as different places may have unique regulations and stipulations regarding the coverage limits and conditions.