Jack has an underinsured motorists coverage of $25,000 bodily injury per person without an endorsement. In his state, the minimum regulatory requirement for bodily injury liability insurance is $25,000 per person. Which of the following losses incurred by Jack will be paid by this underinsured motorists policy assuming that Jack has no fault?

I. Jack is hit by a driver who has a bodily injury liability insurance of $20,000 per person. Jack incurs a medical expense of $25,000.

II. Jack is hit by a driver who has a bodily injury liability insurance of $25,000 per person. Jack incurs a medical expense of $20,000.

Group of answer choices

A) I only.

B) II only.

C) Neither I nor II.

D) Both I and II.

Jack finds that the left rear fender of his car has been damaged by another driver who did not leave a name. Which personal auto policy (PAP) coverage without an endorsement will cover Jacks car damage?

Group of answer choices

A) PAP liability coverage.

B) PAP underinsured motorists coverage.

C) PAP uninsured motorists coverage.

D) PAP collision coverage.