$1.$ Eileen decided to save money by reducing the amount of liability coverage provided by her policy. She carries only the state$-$minimum required coverage but had an accident that is expected to cost three times that limit$.$ Will her policy cover the additional costs of the accident?

$2.$ Hubert carries $$10,000$ per person in medical payments coverage and was struck by a car while walking down the street with four friends. Can he seek reimbursement for his medical expenses under his PAP?

$3.$ While driving drunk, Clancy struck two pedestrians and damaged two cars. He was charged with several criminal offenses. Will his PAP pay for his defense against these charges?

$4.$ While shopping for Christmas, Kate placed several bags of presents in the trunk and then went back into the mall. Five minutes after she walked away from the car, thieves broke into the trunk and stole the presents. Will her PAP pay to replace the presents?