John Smith's car is insured under our sample personal auto policy (PAP) and has all available coverage (including $500 deductible collision and $100 deductible comprehensive or OTC). John Smith's car break down. John promised his wife Jane, however, that they'd go to the ballet. So John Borrow his neighbor Same Wilson's car. Once the ballet ended, John and Jane eyes off the road. He ran a red light and struck a car being driven by barney Watson, damaging Barney's car and injuring Barney and Jane. Will John's insurer pay any liability claims Barney make against John for the damage to Barney's car and for Barney's injury?

a.No, due to the Care, Custody, and Control Exclusion

b.Yes, but only as excess to Sam's liability Insurance, if he had any

c.No, Sam's car is not covered under John's policy

d.Yes, whether Same, had any liability insurance on his car, or not