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.

1. Jose runs into a telephone pole (which he insists jumped right in front of him). His car suffers $5,000 in damages, and Jose suffers $2,000 in medical expenses.

2. A thief forces open the trunk of Jose's car with a crowbar. The car suffers $300 in damage, and the thief makes off with $500 in holiday gifts that Jose had in his trunk.

3. While driving in the country, Jose hits a deer crossing the road, causing $500 in damage to his car and death to the deer.

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