1. Assume PAP Coverages Part A through D are in place for the Insured. Consider whether the following losses are covered, and if so, list the applicable PAP section(s) [Yes/No and applicable coverage section(s)/why]. Treat each loss as a separate incident.
   1. Without warning, a driver changes lanes, cuts in front of the Insureds vehicle, and starts intermittently riding the brake of the car. The Insured is enraged and deliberately rams the vehicle from behind causing a variety of third-party and first-party losses. (5 points)

1. 2. During an off-campus party, the Insureds windshield is cracked by a beer bottle thrown out of a three-story window. (5 points)

1. 3. The insured skids off of Interstate 95 while driving and texting. The Insureds vehicle rolls down an embankment and is totaled. The insured is seriously injured as a result of the accident. (5 points)

1. 4. The Insured causes a multi-car accident at the entrance to the University of Hartford. The accident results in a variety of losses (e.g., personal injuries, property damages) to each of the drivers, passengers, and/or vehicles at issue (Insured included). (5 points)