Background: Jane owns the typical personal automobile policy Assume that each accident, as described in the following scenarios, occurred separately. The actual cash value of Jane's car is $17,400.

The policy has the following limits:

A (liability) = $100,000

B (medical payments) = $3,000

C (uninsured motorists)= $100,000

D (damage to your auto) = $250 deductible - collision; $250 deductible - other-than-collision

• Scenario #1: While using her car as a delivery vehicle for a local orchard, Jane was struck by an uninsured motorist. She had $10,000 in medical expenses and lost wages. Her car was totaled (the replacement value is $14,500).
• Scenario #2: Jane ran a stop sign and collided with a parked car, causing $3,250 of damage to each vehicle.
• Scenario #3: Jane hit a deer on a country road. Her car was a total loss.
• Scenario #4: Jane borrowed her neighbor's car for a week, while the neighbor was on vacation. While driving the neighbor's car, Jane ran into a pole and caused $4,000 of damage to the neighbor's car.