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.