Mr. Zaki (53 years old) is an engineer. Following situations happened to him at different times. Please answer to the relevant questions according to each situation (1) Mr Zaki bought a Honda Civic four years ago as a birthday gift for his son Shakir, who then turned 21. The current market value is RM100,000. However, the car was insured for RM80,000 under comprehensive all driver" coverage. Recently, his son accidentally ran the car into a tree and badly damaged the front bonnet and engine. The total cost of repairs was adjusted at RM25,000. Mr Zaki filed a claim under the motor vehicle insurance policy. (a) Determine the maximum potential compensation. If there is an excess clause of RM3000 (6 marks) (b) What would be the likely consequences as a result of the claim? (8 marks)