Admittedly it was a long time ago but, I was involved in an accident where a guy with no insurance at all pulled out of a side street in front of my car.
A police officer was just behind me and saw the entire thing so he wrote up the guy.
Anyway, the accident crumpled up the right front fender on my car and I figured that the "uninsured motorist insurance" would cover the damage.
The next day I called my State Farm agent, told him what happened and asked him if the uninsured motorist insurance would cover it.
He asked, "Was anyone besides you in the car?" , "Yes, my wife".
"Was she hurt in any way?", "No. Just a bruise where her legs hit the dash."
"Sorry. Your uninsured motorists insurance won't cover the accident."
"WHAT? Just what the hell does it cover if not the damage from a uninsured motorist?"
"Uninsured motorist insurance is a health insurance that covers the medical expenses of anyone other than the driver who is involved in an accident with a uninsured motorist."
With this bit of wisdom in my memory, when I applied for the insurance on my RE and they asked if I wanted their damn uninsured motorist insurance I said, "No."
I don't give rides to passingers on my RE. In fact, I removed 4 pounds from the bike by removing the passenger pegs so, I don't need medical insurance for someone who will never be on the bike.
You folks might notice the Uninsured Motorist insurance does not cover the driver. He's pretty much "up the creek" and must rely on his own medical insurance for any injuries that happen due to a jerk without insurance.