Which coverage is primarily focused on damage caused by unknown drivers?

Uninsured motorist coverage specifically addresses damages and injuries that occur when a driver who is not insured is at fault in an accident. This type of coverage is designed to protect the insured driver from financial losses due to accidents caused by other drivers who lack insurance. It typically covers medical expenses, lost wages, and other damages that the insured might incur as a result of being hit by an uninsured driver.

In contrast, third-party liability coverage focuses on protecting the insured from claims made by others for damages caused by the insured driver. Accident benefits provide coverage for medical expenses and lost income regardless of fault but are not aimed specifically at addressing damages from unknown or uninsured drivers. Underinsured motorist protection comes into play when the at-fault party has insurance, but the coverage limits are insufficient to cover the full extent of the damages incurred by the injured party.

Thus, uninsured motorist coverage is the correct answer as it directly pertains to damages caused by drivers who do not have insurance.