Jose has a standard Personal Auto Policy that provides the following coverages:

Part A: Liability Coverage: $100,000/$300,000/$50,000;

Part B: Medical Payments coverage: $5000 per person;

Part C: Uninsured Motorists Coverage: $100,000/$300,000 (BI);

Part D: Collision Coverage with a $250 deductible;

Part D: Other-Than-Collision Coverage with a $100 deductible.

Part D: Temporary transportation expenses are covered for collision and other-than-collision losses.

Use the above information to determine whether or not each of the following losses would be covered. Specify why each loss is or is not covered. For losses that are covered, indicate the amount that would be paid by the insurer and specify which coverage pays the losses.

10. While driving a friend's car, Jose runs into a parked motorcycle, causing $1,000 of damage to the cycle.

11. Jose lends his car to his friend Stephanie. While driving Jose's car, Stephanie negligently injures another motorist, who sues Stephanie for $150,000.

12. Jose's neighbor kid leaves his bicycle in the middle of the driveway for about the millionth time. To teach the kid a lesson, Jose purposely backs over the bicycle with his car.