Question
Ashley has a PAP with the following coverages: Liability coverages: 100,000/300,000/25,000 Medical Payments coverage: $50,000 Uninsured motorist coverage: 100,000/300,000 Collision loss: 750 deductible Other-than-Collision: $500
Ashley has a PAP with the following coverages:
Liability coverages: 100,000/300,000/25,000
Medical Payments coverage: $50,000
Uninsured motorist coverage: 100,000/300,000
Collision loss: 750 deductible
Other-than-Collision: $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. Tell which coverage A, B, C, or D is applicable.Assume that each situation is a separate event. This question has 4 parts.
a.(4points)A laptop valued at$1500is stolen from Ashley's car.The thief broke the window to get in the car.Cost to repair the window is$1000.
b.(8points)Ashley's son, David, is drunk driving and rear ends another driver's car. The accident is David's fault.The other driver has $8,000 damage to their car,4,000 in lost wages, and $15,000 in medical bills. Bill has $8,000 damage to his car and $10,000 in medical bills.
c.(2points)Ashley hits a deer and totals her car.ACV of the car is$27,000.
d.(2 points)Ashley parks her car at the grocery store.When she returns she finds that the car has been damaged by another motorist who did not leave a name.The cost of repairing the car is $7,000.
e. (2 points)Ashley's son Mike rents acar in Paris.He hits a pedestrian and is sued for $100,000.
f.(4points)Ashley's neighbor borrow her car and runs into a telephone pole.There is $15,000worth of damage to the car.The neighbor has a $100collision deductible.How much does Ashley's policy pay and how much does the neighbor's policy pay?
g.(2points)Ashley'sson is using the car to deliver flowers.He hits another motorist and is sued for $20,000.
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