38. Claudio just purchased a used camper trailer that he will pull behind his van, which is insured under a personal auto policy (PAP). Because he is not accustomed to towing a trailer, he is concerned about what might result if the trailer sideswipes another vehicle or otherwise causes an accident. To obtain liability coverage on this trailer while he is towing it, Claudio needs to (Search Chapter 5). a. add the Miscellaneous Type Vehicle Endorsement (PP 03 23) to his PAP. b. add the Owned Trailers Endorsement to his homeowners policy. c. add the Trailer/Camper Body Coverage (PP 03 07) endorsement to his PAP. d. do nothing further, because his PAP automatically provides liability coverage on owned trailers. 39. Refugio insured his new 30 -foot motorhome by adding it to his personal auto policy along with a Miscellaneous Type Vehicle Endorsement (PP 03 23). Which one of the following is not a limitation of this approach? (Search Chapter 5). a. Liability coverage on Refugio's motor home is limited to 10 percent of the limit applicable to other vehicles covered by the same policy. b. Refugio must rely on the limited personal property coverage in his homeowners policy to protect his personal property in the motor home. c. The personal auto policy does not cover awnings and other permanently attached equipment. d. The personal auto policy's towing and roadside assistance coverage is too limited to cover the cost of towing a motor home. 40. As an estate planning measure, Fred and Wilma are titling their new family car in the name of a trust. Fred and Wilma would be well advised to take all the following steps EXCEPT: a. add a trust endorsement to their personal auto policy. b. have antirust treatment added by the auto dealer. c. list the trust as a co-named insured under their personal auto policy, if the insurer is willing. d. list the trust as a co-named insured under their personal umbrella policy, if the insurer is willing