Question
John Smith owns a 2015 Ford Taurus. John is the named insured under an auto insurance policy written by InsurCo., which is identical to your
John Smith owns a 2015 Ford Taurus. John is the named insured under an auto insurance policy written by InsurCo., which is identical to your sample policy, and the Taurus is the vehicle described on the declarations page of this policy. John has these coverages under this policy: A, B, C, & D, ($250 deductible collision and $100 deductible other-than-collision [OTC]). John rents a 2016 Honda Accord while on vacation. Late one night, while John was driving the rented Honda, another motorist comes into Johns lane, doesnt strike the Honda, but forces John off the road. The Honda collides with a house owned by Alice Jones, damaging Alices house and the Honda, and injuring Johnrequiring him to incur medical expenses. The other motorist is never found. All of the following statements about coverage under John Smith's PAP are true, EXCEPT Select one:
a. John is covered under Part ALiability Coverage of his policy if Alice sues John for the damage to her house. b. For the damage to the Honda, John has a valid claim under Part DCoverage for Damage to Your Auto, but not under Part ALiability Coverage. c. The Honda is a covered auto under Johns policy under Part DCoverage for Damage to Your Auto, because it comes within the definition of your covered auto. d. Johns auto policy provides coverage for cars in addition to Johns 2015 Ford Taurus
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