Coverage A: Liability Coverage:

Bodily Injury Liability $15,000 each person

Bodily Injury Liability $30,000 each accident

Property Damage Liability $5,000 each accident

Coverage B: Medical Payments: $2,000 each person

Coverage C: Uninsured Motorist:

Bodily Injury Liability $15,000 each person

Bodily Injury Liability $30,000 each accident

Coverage D: Physical Damage:

Purchased Loss other than Collision coverage only ($1000 deductible)

1 While jogging down a street, Fred is struck by a forty-year-old man driving a pick-up truck that is legally insured for his state's minimum insurance requirement. Fred suffers $5,000 in emergency room bills. Fred also cannot work for three weeks, resulting in the loss of $2,000 of wages. The truck driver is cited by the police for causing the accident. Please note that you should not assume that Fred can collect from the driver. Instead, focus your answer on how much, if any, that Fred can collect from his own auto insurer.

2 Fred takes his friend Velma to a mall. At the end of the day, they return to the parking lot and discover that thieves stole Velma's laptop computer (replacement cost of $4000 with $2,000 depreciation), which was in the back seat of the van. The van was not locked. How much if any will Fred's PAP insurer pay for the stolen item? (5 points)

3Fred starts driving for Uber. While driving a customer to the airport, Fred hit the rear bumper of a car in front of him because he was driving too fast. Fred is cited by the police for causing the accident. The car that Fred hit sustains $4000 in damages. The damaged car has replacement cost value equal to $28,000 with depreciation of $6000. (5 points)