13. John Smith's car is insured under our sample personal auto policy

(PAP) and has all available coverage (including $500 deductible collision and $100 deductible comprehensive or OTC). John Smith's car break down. John promised his wife Jane, however, that they'd go to the ballet. So John Borrow his neighbor Same Wilson's car. Once the ballet ended, John and Jane eyes off the road. He ran a red light and struck a car being driven by barney Watson, damaging Barney's car and injuring Barney and Jane. Will John's insurer pay for the damage to Sam's car? A. Yes, Under Part D - coverage for damage to your auto, if Sam has no collision coverage B. No, Sam's car is not covered under John's policy C. No. due to the Care Custody and Control exclusion under John's policy D. Yes, Under Part ALiability, because John is legally liable for the car damage, which is property damage 14. John Smith's car is insured under our sample personal auto policy (PAP) and has all available coverage (including $500 deductible collision and $100 deductible comprehensive or OTC). John Smith's car break down. John promised his wife Jane, however, that they'd go to the ballet. So John Borrow his neighbor Same Wilson's car. Once the ballet ended, John and Jane eyes off the road. He ran a red light and struck a car being driven by barney Watson, damaging Barney's car and injuring Barney and Jane. Will John's insurer pay any liability claims Barney make against John for the damage to Barney's car and for Barney's injury? a. No, due to the Care, Custody, and Control Exclusion b. Yes, but only as excess to Sam's liability Insurance, if he had any c. No, Sam's car is not covered under John's policy d. Yes, whether Same, had any liability insurance on his car, or not 15. All of the following statements about interpreting or describing insurance policies are true Except: a. Sometime, court will determine the meaning of insurance policy term taking into account the reasonable expectation of the insured b. If no other rule of insurance policy construction clarifies the meaning of an insurance policy term, a court may just resolve the meaning against the insurer, under the rule of contra referendum c. The process of determining the meaning of insurance policy term or phrase id often called insurance policy interpretation d. The court will typical interpret unclear or ambiguous term or phrases in the insurance policy in favor of the insurance company 16. All of the following statements about the structure of insurance policies are true, EXCEPT: A. The auto policy contains a provision stating where the policy applies B. The auto policy requires that the insurer must be promptly notified of an occurrence or loss C. Insureds may transfer their insurance to other persons without their insurer's permission D. The auto policy requires insureds to cooperate with the insurer in the insurer's investigation of any claim under the policy