Assume that Sam Simpson owns the PAP with the following limits:

Liability Coverage: $50,000/100,000/25,000

Medical Payments: $10,000

Uninsured Motorist: $50,000/100,000

Collision Loss: $1,000 deductible

Other-than-Collision: $100 deductible

Assume that each of the events described in the following situations occurs separately. The actual cash value of Sams car is $20,500. You are to calculate the amount Sam's insurer will pay.

1. Sam negligently collides with another motorist. The motorist successfully sues for $60,000 in bodily injury and $20,000 in property damage. The lawyers charge $10,000 to defend Sam in court.

2. Sam runs a red light and has a rear ends collision with another motorist. There is $10,000 of damage to his vehicle and $14,000 damage to the other motorists vehicle.

3. While using his auto as a delivery vehicle for a pizzeria, Sam is struck by an uninsured motorist. He has $20,000 in medical expenses and lost wages. His auto is destroyed (replacement value is $30,000)

4. Sam borrows his neighbors car for a week while the neighbor is on vacation. He has an at fault collision with the neighbors car into a telephone pole. He does $10,000 worth of damage to the neighbors car.

5. Sam loans his car to his friend Tom. Tom hits a deer driving home from work. The car is destroyed. Tom does not have car insurance.