Fred has one car and has a PAP with the following coverages:

Liability coverages: split limit 100/300/50

Medical payments coverage: $5000 each person

Uninsured motorists coverage: $25,000 each person

Collision loss: $250 deductible

Other-than-collision loss: $100 deductible

With respect to each of the following situations, determine whether the loss is covered, by which section of the policy and how much Freds insurer will pay. If Freds policy does NOT cover such loss, then briefly explain why. In situations where Freds policy may apply on an excess basis (in order words, other policies are considered primary coverages), ignore the primary coverage. Assume that each situation is a separate event.

4. Fred's daughter, Myra, is attending college in a different state. She is 19 years old. She drives her boyfriend's car on a regular basis. While driving the boyfriend's car, she is involved in an accident in which another motorist is injured and sues her for $5,000. Myra is at fault. a) Circle one: Covered (also answer part b) Not covered (also answer part c) b) If covered, by which section and how much will the insurer pay: c) If it is NOT covered by Fred's policy, explain why: 5. Fred is walking across a street and is struck by a motorist who fails to stop (a hit-and-run case). He has bodily injuries in the amount of $15,000. a) Circle one: Covered (also answer part b) Not covered (also answer part c) b) If covered, by which section and how much will the insurer pay: c) If it is NOT covered by Fred's policy, explain why: 6. Fred's car hits a cow crossing a highway. The cost of repairing the car is $700. a) Circle one: Covered (also answer part b) Not covered (also answer part c) b) If covered, by which section and how much will the insurer pay: c) If it is NOT covered by Fred's policy, explain why: 7. Fred's wife is driving the covered family car in a snowstorm. She loses control of the car on an icy street and smashes into the foundation of a house. The property damage to the house is $20,000. Damages to the family car are $5000. Fred's wife has medical expenses of $3000. Property damage to the house: a) Circle one: Covered (also answer part b) Not covered (also answer part c) b) If covered, by which section and how much will the insurer pay: c) If it is NOT covered by Fred's policy, explain why: Damage to the family car: d) Circle one: Covered (also answer part b) Not covered (also answer part c) e) If covered, by which section and how much will the insurer pay: f) If it is NOT covered by Fred's policy, explain why: Medical bill of the wife: g) Circle one: Covered (also answer part b) Not covered (also answer part c) h) If covered, by which section and how much will the insurer pay: i) If it is NOT covered by Fred's policy, explain why