Case: John purchased a Personal Auto Policy from his agent, Kimberly. Kimberly tells John he has purchased the most comprehensive coverage possible. It will cover his vehicle anywhere in the world. The vehicle is still financed and Southern Bank holds the title. The coverage on the vehicle is as follows:5

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

Medical Payments: $5,0005

Collision: $250 Deductible

Comprehensive: $100 Deductible

Uninsured Motorists: $300,000

John receives a promotion at work and stops by a bar on the way home to have a few drinks to celebrate. On his way home, he runs a red light, striking the side of a vehicle occupied by James and his wife Kathy as they cross the intersection. Johns vehicle continues through the intersection, jumps the curb and hits a fence of Betty's home. John has $3; 000 worth of damage to the front and right side of his vehicle. The James and Kathys vehicle has damage in the amount of $7; 000. In addition, James has a bodily injury claim in the amount of $18; 000 while Kathy has a bodily injury totaling $30; 000. These totals include medical bills, lost wages, pain and suffering, and loss of consortium. John also caused $5; 000 worth of damage to Bettys property. The landscape and fence of the property, which is located on the corner, was damaged when his vehicle went up on the curb. He also has medical bills totaling $900 for evaluation and treatment at the scene.

Johns vehicle is not drivable so he to leaves it on the side of the road because he is tired and doesnt feel like making the arrangements to have it moved tonight. The next morning, John decides he is just going to buy an older used vehicle because his car is going to be in the shop for awhile and he needed a second vehicle anyway. After his primary vehicle is repaired, he will keep the older car primarily for his family to use if they need it (he lives with his parents and younger sister who is of driving age). After purchasing a used vehicle for $1,200, John drives to the accident site to take a look at the damage to his vehicle. He finds that the heavy rains from the previous night leaked in through the cracks in the windshield and will cost $300 to clean out. He calls a tow company to have the vehicle moved to a repair shop. The shop tells him it will be $100 for the tow. He is frustrated and angry because of everything that has happened and as he attempts to leave, he puts the car in drive instead of reverse and runs into the back of his car causing $1,500 worth of damage to the rear of the original vehicle and $600 worth of damage to the front end damage to the new vehicle. The following day, the body shop calls and informs John that sometime during the night, some thieves had broken into the lot (Apparently the thieves just jumped over the fence. There were no security guards or dogs on the premises.). They smashed the drivers side window of his vehicle and stolen his after-market CD player which was permanently installed, 12 CDs and his gym bag which contained a brand new pair of gym shoes, a pair of shorts, and two t-shirts. The window will cost $175 to replace. The costs to replace the CD player, CDs, and gym bag are $1,500, $180 and $200, respectfully.

Please determine whether the following loss is covered. If the loss is covered, please explain under which coverage of John's auto insurance policy and how much will be paid? If the loss is not covered, please provide reasons.

1. 1. John's bodily injury $900

1. Property damage to John's original car (first accident) $3; 000

1. Clean-up fees of John's original car after the heavy rain overnight $300

1. Property damage to the original car (second accident) $1; 500

1. Property damage to the second car $600

1. Broken window caused by thieves $175

1. James & Kathy's car $7; 000

1. Kathy's bodily injury $30; 000

1. James's bodily injury $18; 000

1. Property damage of Betty $5; 000

1. Property stolen: CD player $1; 500

1. Property stolen: Gym bag$200