Alan has a PAP with the following coverages: Liability coverages: $100,000/$300,000/$50,000 Medical payments coverage: $5,000 each person Uninsured motorists coverage: $25,000 each person Collision loss: $500 deductible Other-than-collision loss: $500 deductible

With respect to each of the following situations, indicate whether the loss is covered and the amount payable, if any, under the policy. Assume that each situation is a separate event.

1. Alansson,age16,isdrivingafamilycar,runsared light, and kills a pedestrian. The family of the deceased pedestrian sues and damages are awarded in the amount of $500,000.

2. Alan borrows a friends car to go to the supermar- ket. He fails to stop at a red light and negligently smashes into another motorist. The other drivers car, valued at $15,000, is totally destroyed. In addi- tion, repairs to the friends car are $5,000.

3. Alansdaughter,Heather,attendscollegeinanother state and drives a family auto. Heather lets her boyfriend drive the car, and he negligently injures another motorist. The boyfriend is sued for $50,000.

4. Alans wife is driving a family car in a snowstorm. She loses control of the car on an icy street and smashes into the foundation of a house. The prop- erty damage to the house is $30,000. The damage to the family car is $8,000. Alans wife has medical expense of 5,000

5. Alan is walking across a street and is struck by a motorist who fails to stop. He has bodily injuries in the amount of $15,000

6. Alan's car is being repaired for faulty braakes. While road testing the car, aa mechanic injures another motorist and is sued for $50,000.

7. Alans car hits a cow crossing a highway. The cost of repairing the car is $2,500.

8. A thief breaks a car window and steals a camera and golf clubs locked in the car. It will cost $400 to replace the damaged window. The stolen property is valued at $500.

9. Alans wife goes shopping at a supermarket. When she returns, she finds that the left rear fender has been damaged by another driver who did not leave a note or his/her name. The cost of repairing the car is $2,000.

10. Alan works for a construction company. While driv- ing a large cement truck, he negligently injures another motorist. The injured motorist sues Alan for $25,000.

11. Alans son drives a family car on a date. He gets drunk, so his girlfriend drives him home. The girl- friend negligently injures another motorist, who has bodily injuries in the amount of $200,000.

12. While driving a rented golf cart, Alan accidentally injures another golfer with the cart.