Hamid age 25, has a comprehensive auto insurance from Smart Auto Insurance on his 2015 Toyota Camry. The policy has an age restriction of 21 years or older for drivers. His younger brother Walid age 18, took Hamids car without permission and was hit by his friend Salems car while both were racing. Upon being informed about the incident Hamid quickly arrived at the place of accident. Hamid asked Salem to pay for the damages caused and treated to report him to the police with racing incident otherwise. Salem eventually agreed and paid the amount demanded. But later Hamid reported the same loss as a hit and run case to the police and to his insurance company, and request Smart Auto for compensation. While reporting damages on his car, Hamid also added pre-existing faulty radiator and motor oil leakage as additional damages caused by the incident. After receiving a sworn statement from Hamid, Smart Auto has compensated him for all of the reported losses. a) Analyzing the above case, indicate which of four principles of insurance were violated and which is the only principle NOT violated? Support your answers with facts from the case. b) If Principle of Indemnity was violated, which action(s) was the cause? What could have Smart Auto done to reduce such violation? c) Finally, what actions or precautions would you recommend for Smart Auto to follow in order to reduce such violations of the principles of insurance (mentioned in part a) by its clients?