Kennith hosted a party at his home at which liquor was served. When she left the party, Adriana, one of Kennith$$s guests, was inebriated and caused a serious auto accident with her car in which Mac was injured. Mac sued Kennith for damages. If Kennith was the insured under a $2011$ ISO homeowners policy,

a$.$ the policy would cover this claim because Adriana, who was driving the car, was an insured.

b$.$ the policy would cover this claim because Adriana, who was driving the car, was not an insured.

c$.$ the policy would cover this claim under the host liability additional coverage.

d$.$ the policy would not cover this claim.