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 (or maximum amount payable), if any, under the policy. Assume that each situation is a separate event.

Alan's son, age 16, is driving a family car, runs a red light, and kills a pedestrian. The family of the deceased pedestrian sues and damages are awarded in the amount of $500,000