Kim is 20 and a college student who owns 2012 KIA, with very high miles. The current market value of the car is about $4,000. Kim has purchased a personal auto policy (PAP).Kim is driving her boyfriend's car. She is involved in an accident with another motorist, whose car is damaged and who has an injury. Kim is at fault.

Is this covered? If so, whose insurance pays for the damage? What happens if the total damage and injury is higher than the amount of coverage her boyfriend has?