What additional coverage could Lance consider to help pay for injuries to passengers if the driver lacks adequate liability insurance?

The option that Lance should consider to help pay for injuries to passengers when the driver lacks adequate liability insurance is uninsured motorist coverage. This type of insurance is specifically designed to protect drivers and their passengers in the event of an accident with a driver who either does not have insurance or does not have enough insurance to cover the damages.

Uninsured motorist coverage allows the insured party to recover costs related to medical expenses, lost wages, and other injury-related losses when injured by an at-fault driver who lacks adequate insurance. It serves as a safety net to ensure that financial support is available in these unfortunate circumstances, making it a critical addition to one's insurance policy.

In contrast, additional insured typically refers to a provision in a liability policy that extends coverage to other parties, which does not directly address the situation of insufficient insurance for injuries sustained by passengers. Comprehensive insurance generally protects against damages to your own vehicle from non-collision events, such as theft or natural disasters, and does not cover liability or injury costs. Personal injury protection (PIP) primarily covers medical expenses and lost wages regardless of who is at fault in an accident, but it does not specifically address situations where another driver lacks sufficient liability coverage. Thus, uninsured motorist coverage is the most appropriate