When does uninsured motorist (UM) insurance typically not apply?

Uninsured motorist (UM) insurance typically does not apply in scenarios where the insured party is occupying their own vehicle that is uninsured. This means if a driver has an uninsured car and their daughter is injured while being a passenger in that car, the injured party would not be able to claim UM benefits, as UM is intended to provide coverage for injuries caused by another party who is also uninsured while operating a separate vehicle.

The rationale is that UM insurance offers protection when you are injured by someone else's negligence and that person lacks insurance. In this specific case, since the daughter is in her own parent's uninsured vehicle, she is not in a scenario covered by UM insurance, which is designed for instances involving other vehicles.

Understanding the other situations provides clarity as to why they could be covered. For instance, if a minor is driving, that does not inherently disqualify coverage based on age alone, nor does not being in a vehicle at that time. Having multiple insurance policies typically involves bundling or stacking coverages, which may not impact UM coverage in the situation described.