Manoj occasionally borrows his dads car when he goes out with his friends. One night, Manoj had too much to drink and instead of driving home, he asked his friend Joe to drive his fathers car. While driving home, Manoj was involved in an accident which caused damage to the vehicle. If Manojs father files a claim for damages, would he be covered? Why?

Leo bought a used car for $4,500. While in class, his car was damaged by an unidentified automobile. The damage to the vehicle was estimated at $1,000. If the cash value of Leo's car at the time of the loss is $3,000, how much money would Leo receive if he files a claim for damages? Assume he has a $500 deductible.

If you inherit a painting worth $63,000, how can you insure it with homeowners insurance? What are the benefits?

Tara, who lives in Vancouver (British Columbia), decided to visit her friend Melissa, who lives in Winnipeg (Manitoba). Two days into her trip, Tara had an emergency situation and needed to go to the hospital. At the hospital, Tara received insured health care services which cost $1,000. If the same benefits cost $800 in British Columbia, how much does Tara have to pay for these benefits and why?