10. 11 12. 13. 14. 15. 16. 17. 18. 19. 20. . In the above example , when Mr. Tibbs inventories his damaged property ,he discovers that a $6,000 (ACV )gun collection is missing . The adjusters conclude that in the confusion during the fire , someone stole the property . . Mr. Tibbs fails to trim his bushes near the street . The bushes obstruct the view of traffic turning the corner . A motorist , when inching out to see around the bushes , is struck by a car. Both cars are "totaled " and each driver sues Mr. Tibbs for $135,000 in bodily injury and $5,000 in property damage. _ Dr. Tibbs is a medical doctor who operates out of an office in his house . A patient comes to see Dr. Tibbs . While sitting in a chair in the waiting room , the chair breaks causing back injuries to the patient . The patient sues for medical expenses of $7,000 , loss of wages of $16,000 , and pain and suffering $20,000. Mr. Tibbs takes his car to a repair shop . while the mechanic is test driving the car, he negligently rear ends a car stopped at a red light . The mechanic and Mr . Tibbs are both sued separately for $18,000 each . . A tornado causes an unattached garage to collapse on the owned car. The shed and the automobile are total losses . How much is covered under both contracts ? Mr. Tibbs has an argument with his wife and goes bar hopping . 0n the way home , he loses control of the car and injures three people . The police find that Mr. Tibbs is legally intoxicated . Each claim $150,000 in bodily injury . Their car is totaled . And , Mr. Tibbs 'car requires $1,200 in repairs. In the above example , Mrs . Tibbs is also in the car. she is injured and sues Mr. Tibbs for $350,000. Mr. Tibbs decides to sell cars . One day , while he is demonstrating a new car, an accident occurs and the prospective buyer is injured . Mr. Tibbs and the auto company are each named in the suit claiming $150,000 of bodily injury . Mr. Tibbs decides to move to Nevada so he rents a large (18 wheel ) moving truck . During the trip , he ips the truck on an icy road . The rental company sues Mr. Tibbs for $175,000 of property damage liability . In the above example , instead of moving his own property ,Mr. Tibbs decides to move property of others for a business . The damage to the truck equals $175,000 . Mrs . Tibbs 'fur coat (worth $700 ACV ) is stolen out of the car after it is parked by an attendant at a restaurant Mr . Tibbs 'car is at a repair shop . For transportation , he uses his son in laws ' motorcycle . While using it, he runs down a pedestrian in a cross -walk . the pedestrian sues Mr. Tibbs for $7,600 . Mr. Tibbs buys a second car. Five days after the car is purchased , he collides into a telephone pole. damage to the car is $2,000 . He had not told his agent about the car. While driving his car under a bridge being spray painted by the Department of Transportation , the car is coated with paint . because of the chemicals being used in the paint , the auto's glass is permanently pitted . cost to repaint the car is $3,200 and the cost to replace the glass is $1,200