I. John Jones is friends with the owner of the local Chevrolet automobile dealership. Each of the four (4) electrician employees is entitled to drive a CREC owned pickup to, during, and from work since CREC can be called upon to provide electrical service to a customer at any time of the day. John Jones also drives a Chevrolet pickup to, during, and from work and his spouse, Mary, drives a Chevrolet Equinox to, from, and during work. John Jones is aware that any of these vehicles has the potential to be used by the employee for personal reasons. CREC has a commercial auto policy (business auto coverage form) with covered autos liability (Symbols 7, 8, and 9) and occurrence limits of $500,000; auto medical payments, Symbol 7, $5,000 each insured, uninsured motorists and underinsured motorists each with limits of $500,000 per occurrence, Symbol 7, comprehensive, Symbol 7, and collision, Symbol 7, each at actual cash value and a deductible of $500. Answer the following questions:

A) A CREC employee was using his own vehicle for work related activities because the truck furnished to him by CREC was being serviced. While driving to a job site, the employee caused an automobile accident that injured another motorist and totaled that motorists vehicle as well as the employees vehicle. The injured motorist sues the employee and CREC for bodily injury and property damages suffered. Explain CRECs and the employees coverage for these exposures. (5 POINTS)

B) An employee driving a CREC pickup is enroute to a job site on a winter day. The employee loses control of the pickup on an icy road and it overturns, resulting in the destruction of the truck and the equipment and supplies in it. The value of the truck is $15,000; the value of the supplies is $2,500. Explain the coverages available under CRECs policy, if any. (5 POINTS)