Under which scenario would uninsured motorists coverage NOT apply to Josephine and her family?

Uninsured motorists coverage is designed to protect insured individuals from damages caused by drivers who do not have insurance. In the scenario where Josephine's daughter is injured while a passenger in Josephine's uninsured car, the coverage would not apply because uninsured motorists coverage specifically pertains to injuries resulting from accidents involving other vehicles that are uninsured. Since Josephine's own vehicle does not have insurance, it cannot provide uninsured motorist coverage for passengers within it.

In contrast, the other scenarios involve interactions with either other vehicles or situations where coverage is applicable. For instance, if Josephine is injured while crossing the street, the circumstances involve a potential uninsured driver, which could trigger her uninsured motorist coverage. Similarly, when injured as a passenger in a friend's vehicle, there might still be a valid claim against the friend's insurance if they are at fault, or Josephine’s coverage may extend. Additionally, if her husband is injured while a passenger in her covered auto, there is an active policy that would likely provide coverage for injuries sustained in that scenario. This context reinforces why the scenario with Josephine's uninsured vehicle limits the scope of available coverage.