Under what condition will Mary's uninsured motorists coverage not apply?

Mary's uninsured motorist coverage typically protects the named insured (in this case, Mary) and certain designated individuals when they are involved in an accident with an uninsured motorist. However, coverage often does not extend to injuries sustained by passengers in vehicles that are not owned or insured by the policyholder, which is the situation described in the chosen answer.

In this scenario, when Mary is a passenger in a friend's car, the vehicle is not insured under Mary's own policy, and thus, her uninsured motorist coverage would not extend to her friend’s vehicle in the event of an accident. The coverage is designed to protect the policyholder when they or their insured vehicles are involved in collisions with uninsured motorists, but generally does not apply to situations where the insured is simply a passenger in another individual's vehicle, unless specific provisions of the policy indicate otherwise.

This limitation is an important aspect of auto insurance policies, highlighting the necessity for individuals to have their own uninsured motorist coverage in place when driving or riding in different vehicles.