Which of the following refers to vehicles needing uninsured motorist coverage?

Uninsured motorist coverage is specifically designed to protect drivers in the event that they are involved in an accident with a driver who does not carry insurance. This coverage is often mandatory under state law for certain vehicles to ensure that policyholders are protected regardless of the insurance status of the other party involved.

The correct choice refers to "owned autos under specific law requirements," which indicates that certain vehicles, such as those that are registered and deemed necessary by law, must have uninsured motorist coverage. This aligns with the compliance regulations set by various states, including New York, where certain vehicles are required to have this protection as a safeguard for drivers.

In contrast, while rented vehicles and owned cars without insurance may present situations in which uninsured motorist coverage is relevant, they do not specifically fall under the regulatory requirements that apply to owned vehicles covered by state law. Thus, the correct answer highlights the importance of complying with legal mandates that ensure coverage for owned vehicles to provide necessary protections for motorists.