Explain whether each of the people described in the following scenario has coverage under Part A of the PAP and say why or why not. Bob, the named insured, is an auto mechanic. Bob and his wife, Belle, own and drive a Ford. They have two children, Ben and Bill. Ben, age twenty-six, is in the U.S. Army and comes home to visit about twice a year. Bill is sixteen, lives at home, and has a learner's permit but no permanent driver's license. Ben often rents cars on weekends and drives battle tanks as his military assignments. Bob drives the church van to pick up nondriving members each Sunday. Bob also test-drives vehicles after he has repaired them at his place of employment, Barney's Garage. Bill has been known to lend the family car to his teenage pal, Bubba. Once, Bubba actually lent that car to his girlfriend, Brenda.

Does the PAP provide coverage if a named insured drives a nonowned auto? What is the definition of a nonowned auto?

What are the four general areas of protection provided by Parts A through D of the PAP?

Assume that an insured causes an automobile accident that injures five people and damages one auto. Assume that each of the injured parties successfully sues for $20,000. The damaged auto was worth $10,000. How much would the insurer pay if:

the insured carried 10/20/5 limits?

the insured carried 50/100/5 limits?

the insured carried 100/300/50 limits?

Why is damage to an insured's own property excluded under Part A?