Charles has a PAP with the following coverages:

Liability coverages: $100,000/$200,000/$50,000

Medical payments coverage; $7,000 per person

Uninsured motorists coverage: $15,000 per person

Collision Loss: $1,500 deductible

Other-than-collision loss:$150 deductible

Assume each event is an INDEPENDENT event. There may be multiple damages. In each event show how much Charles would receive from his insurer? What coverages would be in effect? SHOW YOUR WORK

1. My cousin owns a body shop. In Ohio, if I have an accident and I have collision coverage can I use my cousins body shop to get it fixed. Assuming that I can, my cousin wants to charge a very high price to fix the car. Explain what my insurance company would do in that situation.

2. Explain where Ohio homeowners would have protection from recreational liability. Explain where Ohio homeowners would not have protection from recreational liability. In Ohio, if my dog bites someone for the first time am I liable? Would there be any exceptions? If so, what would they be?

please explain clearly for both questions how much Charles would receive from his insurer? What coverages would be in effect?