Who is NOT covered by Beverly's uninsured motorists coverage?

Beverly's uninsured motorists coverage is designed to protect her and specific individuals in the event of an accident involving an uninsured driver. This coverage typically provides compensation to insured individuals who suffer injuries due to the negligence of an uninsured motorist. However, it does not cover scenarios where the insured is at fault in an accident, which is the case with Beverly rear-ending an uninsured motorist.

In this scenario, as Beverly rear-ends another vehicle, she is considered the at-fault party, and thus, her own uninsured motorist coverage would not apply to her injuries or damages. The purpose of this coverage is precisely to shield against the financial implications of being struck by an uninsured driver, not to cover instances where the insured is the one causing an accident. Therefore, Beverly herself is not covered under her own uninsured motorists policy in this situation, making this choice the correct response.