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Uninsured motorist coverage is designed to protect an insured individual when they are involved in an accident with a driver who does not have any insurance coverage. The correct condition for this coverage to take effect is when the insured is not at fault. This means that in the event of an accident caused by an uninsured motorist, the insured can turn to their own uninsured motorist coverage for compensation for damages and injuries sustained as a result of that accident.

This coverage is particularly important because it allows the insured to receive compensation when they have been harmed by another driver who lacks the financial resources to cover the damages. It ensures that individuals are not left without recourse simply because the at-fault driver does not have insurance.

In contrast, if the insured is at fault in an accident, they would typically rely on their own liability coverage for damages. The identification of the other driver, as suggested in one of the options, is not a requirement for uninsured motorist coverage to come into play. Coverage related to minor accidents would typically fall under standard collision or liability policies rather than specifically under uninsured motorist provisions.