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Harvey is driving his own SUV on his employer's business when he has an accident. Harvey has a personal auto policy ( PAP ) that

Harvey is driving his own SUV on his employer's business when he has an accident. Harvey has a personal auto policy (PAP) that provides liability coverage on his SUV, and the employer has a business auto policy (BAP) that provides liability coverage on "all autos" using symbol 1. How does the liability coverage of these two policies apply in this situation?
(Search Chapter 2).
a. The BAP and the PAP both provide primary coverage, which might result in duplicate payments to an injured claimant.
b. The PAP provides no coverage and the BAP applies on a primary basis.
c. The BAP provides excess coverage over the limits of Harvey's PAP.
d. The BAP provides no coverage, so if there is any coverage, it will have to come from Harvey's PAP.
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