Which person's injuries would NOT be covered under the Smith family's personal auto policy?

The coverage provided under a personal auto policy typically protects the named insured and family members against injuries sustained while using their vehicle or as passengers in it. In this case, the scenario involving Mrs. Hillman's injuries while driving her own car is not covered under the Smith family's personal auto policy. This is because the policy is designed to cover injuries of the policyholders and their family members when they are operating or occupying the insured vehicle.

Since Mrs. Hillman is neither a family member of the Smiths nor is she driving the Smith family's vehicle, her injuries would not be eligible for coverage under their personal auto policy. Thus, the correct understanding is that personal auto policies generally extend to the policyholder and their immediate family's usage and not to unrelated third parties driving their own vehicles.