In what situation would Uninsured Motorists (UM) coverage NOT apply to Josephine and her family?

Uninsured Motorists (UM) coverage is designed to protect insured drivers and their passengers in the event they are involved in an accident with an uninsured driver. However, there are specific circumstances where this coverage does not apply.

In this case, the scenario where Josephine's daughter is injured as a passenger in Josephine's own uninsured vehicle is a clear instance where UM coverage would not apply. This limitation arises because UM coverage is intended to protect against accidents involving uninsured cars but does not provide benefits if the insured party is driving a vehicle that is itself uninsured. Because the vehicle lacks insurance, any claims for injuries sustained while in that vehicle typically would not be covered under UM provisions.

This aspect of UM coverage emphasizes the importance for vehicle owners to maintain adequate insurance on their vehicles in order to be eligible for such protections. It illustrates that having UM coverage is not enough if the vehicle being operated is uninsured, as the intent of UM coverage is to provide a safety net against other uninsured parties, not to cover liabilities arising from one's own uninsured vehicle.