Helen was staying at her friend Graces house. One night, Helen decided to go out for snacks. She wanted to borrow Grace's car, but Grace was asleep. Grace had told Helen earlier not to use the car without first obtaining Grace's permission, but Helen figured that the car was not being used anyway, so she should be able to use it. She found Grace's keys and drove the car to a convenience store. Along the way, she caused an accident and a liability claim was made against her. Is there coverage for this claim under Grace's Personal Auto Policy (PAP)?

a-Yes, because Helen's belief that she should be able to use the car was reasonable

b-Yes, because Helen's had driven Graces car in the past

c-Yes, because for insurance purposes, it is assumed that an insured has permission to use a friend's car

d-No, because Helen intentionally borrowed Graces car without her permission