Which of the following does NOT cover the insured for bodily injury under uninsured motorist coverage?

Under uninsured motorist coverage, the intent is to protect an insured person from losses that arise from accidents involving drivers who do not have insurance or do not have enough insurance to cover the damages. The coverage is specifically designed to provide benefits when the insured is involved in an accident with an uninsured driver.

When considering the nature of coverage under this policy, if the accident is caused by the insured themselves, they would not be termed as "uninsured motorist" incidents, since the insured is the one responsible for the accident. Therefore, claims stemming from an accident that the insured caused would not be covered under the uninsured motorist provision; instead, it would fall under their own liability coverage or collision coverage, depending on the circumstances.

On the other hand, accidents caused by other uninsured drivers are precisely the situations this coverage is designed to address. Similarly, accidents involving hit-and-run drivers are treated under this policy as they represent another scenario where the responsible party cannot be identified or held accountable due to lack of insurance. Furthermore, coverage applies when the insured is a passenger, as they could still be harmed by another's negligence while riding in a vehicle. All these scenarios illustrate how uninsured motorist coverage functions and where it applies, confirming why an accident caused by