"Insured motorist" refers to someone who has purchased an insurance policy to protect themselves and their vehicle in case of an accident caused by another driver who doesn't have insurance or enough insurance to cover the damages. Full definition
You might also want to consider uninsured / under insured motorist coverage to pay for any additional costs if the other driver is found at fault but not adequately insured. (carinsurancequote.net)
Most companies offer accident forgiveness, uninsured or under insured motorists coverage, and medical payments in the event of an accident. (compare.com)
This form of coverage protects you in the event that you are struck by an uninsured or under insured motorist in an accident for which you are not at fault. (carinsurancequote.net)