Amber has a Homeowners 3 policy. The dwelling is insured for $75,000 and the replacement cost of the home is $100,000. Amber has $100,000 for Coverage E and $10,000 for Coverage F. Indicate whether or not each of the following losses is covered. If possible, determine the dollar amount of the loss that will be covered by Amber's insurance policy. Clearly identify what section of the policy is controlling and why the event is either covered or not covered. Ignore any deductibles.

Amber's sixteen year old son accidentally injures another player while playing football at the local high school. The other player has medical expenses of $2,800. Ambers son is also injured and his medical expenses are $1,200.