Which of the following scenarios would require UM coverage?

The scenario requiring Uninsured Motorist (UM) coverage specifically involves an injury caused by an uninsured motorist. UM coverage is designed to protect individuals in the event that they are involved in an accident where the responsible party does not have insurance to cover the damages or injuries caused. This type of coverage becomes critical when a driver is hit by someone who lacks adequate insurance protection, ensuring that the injured party can seek compensation for medical expenses, lost wages, and other damages resulting from the accident.

In contrast, the other scenarios do not necessitate UM coverage. An accident with a fully insured driver would normally fall under standard liability coverage from the at-fault party. A collision involving a parked vehicle typically suggests that the insurance of the owner of the parked vehicle or the driver causing the collision would address the damages. Lastly, bodily injuries caused to passengers can usually be covered under the liability or medical payments coverage of the vehicle they are riding in, rather than through UM coverage. Thus, the only situation that directly necessitates UM coverage is when an uninsured motorist causes an injury.