1. 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 26, is in the U.S. Army and comes home to visit about twice a year. Bill is 16, lives at home, and has a learners permit but no permanent drivers license. Ben often rents cars on weekends and drives battle tanks as his Army assignment. Bob drives the church van to pick up nondriving members each Sunday. He also test-drives vehicles after he has repaired them at his place of employment, Barneys Garage. Bill has been known to lend the family car to his teenage pal, Bubba.