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6) Melinda and Joes teenage son, Jacob, borrowed the Escape and hit a fire hydrant while he was sending a text message. The cost to

6) Melinda and Joes teenage son, Jacob, borrowed the Escape and hit a fire hydrant while he was sending a text message. The cost to repair the damage is $2,800. How much will the insurance company pay on this claim?

7) A branch fell on the Escape during a storm and scratched the paint on the hood. It will cost $475 to repaint. How much will the insurance company pay on this claim?

8) Melinda hit a wall in a parking garage and caused $1,100 of damage to the Camry. Should she file a claim?

9) Which coverage will pay for Joes medical and physical therapy bills for an injured shoulder related to a fender bender he caused? Will his lost wages from a week off work following the accident also be reimbursed?

10) Have Melinda and Joe had multiple tickets or accidents in recent years?

Auto Policy Declarations Named Insured(s) Agent Melinda Flores Michael Frazier Joe Soto (520) 123-4567 333 Smiley Lane Wake City, AZ 86725 Policy Number: 9 12 345678 03/01 Policy Period: April 1, 2015 to March 31, 2016 12:01 a.m. Standard Time Drivers Excluded: Jacob Soto Vehicles Covered Vehicle ID Number Lienholder 2012 Toyota Camry 1FTCU88F34KD02005 Bonanza Credit Union 2010 Ford Escape RPFRE32875NG04560 None Total Amount Due: $1,155.96

Vehicle #1: 2012 Toyota Camry Coverage Limits Deductible Premium Liability: Bodily Injury Property Damage $250,000/person $500,000/accident $50,000/accident Not applicable $347.15 Uninsured Motorist Bodily Injury $250,000/person $500,000/accident Not applicable $68.30 Medical Payments $5,000/person Not applicable $28.50 Collision Actual cash value $1000 $149.40 Comprehensive Actual cash value $100 $52.10 Total premium #1 $645.45 Use: This vehicle is driven 30-40 miles to work/school by married female licensed 24 years. Good driver discount: 20%

Vehicle #2: 2010 Ford Escape Coverage Limits Deductible Premium Liability: Bodily Injury Property Damage $250,000/person $500,000/accident $50,000/accident Not applicable $292.04 Uninsured Motorist Bodily Injury $250,000/person $500,000/accident Not applicable $60.70 Medical Payments $5,000/person Not applicable $26.00 Collision Actual cash value $2,500 $91.55 Comprehensive Actual cash value $500 $40.22 Total premium #1 $510.51 Use: This vehicle is driven for pleasure <7,500

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