Mort, age 18, lives at home and he borrows the car of his friend, Jessica. Jessica has given him permission to drive the car. She has $300,000 of liability insurance on her car under a personal auto policy. Mort is covered under his mother's personal auto policy which has a liability limit of $500,000.

Mort is involved in an automobile accident while using Jessica's car and is found to be legally liable in the amount of $400,000. How much, if any, will each policy pay?

Group of answer choices

Mort's mother's policy and Jessica's policy will each pay $200,000

Mort's mother's policy is primary and will pay the $400,000 judgment

Jessica's policy is primary and will pay up to the $300,000 policy limit. Mort's mother's policy will pay $100,000

Jessica's policy will not pay since Mort is not an insured person under the policy. Mort's mother's policy will not pay since Jessica's car is not a covered auto under the policy