Which of the following NY residents would be a 'qualified person' eligible to file a bodily injury claim against MVAIC for injuries caused by a hit-and-run motorist in New York?

Why this is the answer

§§ 5202 and 5203 define MVAIC eligibility tightly. A claimant must be (1) a NY resident, (2) not the uninsured owner or operator of an uninsured vehicle involved in the accident, and (3) without other available UM/SUM coverage — either their own auto policy or that of a resident relative. The pedestrian in B is a classic qualified person. The driver of her own uninsured vehicle (A) is statutorily excluded — the legislature did not want MVAIC to reward owners who failed to insure. The 100/300 SUM insured (C) has her own UM that responds first. The non-resident occupant (D) generally looks first to the host state policy that responds to the loss, and MVAIC's residency requirement is not met.