Amy has collision coverage with a $500 deductible on her 2018 Ford Edge with ABC Insurance Company. Amy accidentally ran into the side of a Starbucks while attempting to order her morning coffee. Amy's vehicle sustained $10,000 in damage. The actual cash value (ACV) of her vehicle is $35,000. The salvage value of her vehicle is $10,000. How much will ABC insurance company pay Amy for the damage to her vehicle?

$9,500

$10,000

$25,000

$35,000

Joanne is involved in an automobile accident in Miami, Florida. It is determined that Joanne is 80% responsible for this accident. Joanne's vehicle sustained $5000 damage as a result of the accident. What amount of damages, if any, is Joanne legally entitled to recover from the driver of the other vehicle involved in this loss?

$0

$1000

$2500

$5000

Tom drives his coworker Pete to work each day since Pete does not own a car. Pete pays Tom $20 each week to cover his share of the gas expense. On the way home from work one day, Tom rear ends a vehicle in front of him. Liability coverage is likely to be excluded for which of the following reasons?

Intentional act exclusion

Carrying passengers for a charge exclusion

Valet parking exclusion

No liability exclusions are applicable in this scenario