On the way to the lake last weekend, Sam & Ann Smith were towing their 20-foot boat on the back of their pickup truck. While approaching the green traffic light, Ann could see that another car, driven by Tom Jones, was going to run his red light and was not going to stop. Ann slammed on her breaks to attempt to stop before the intersection, but slid into the middle of the intersection anyway. Needless to say, you can imagine the impact that the Jones's car caused when it slammed into the side of the Smith's pickup truck.

In a hurry, John & Jane Doe might have been traveling too close behind the Smiths'. The Doe's ended up running into the back of the Smith's boat. Since the boat trailer wasn't quite hitched properly, the accident unhitched the Smith's boat trailer from the back of the pickup. The good news is that the boat only slid 20 feet away and didn't hit the video rental store. The bad news is that it knocked over a pedestrian named Mr. Bullwinkle.

Note: Generally, when a boat is attached and being pulled by a vehicle, liability coverage extends from the vehicle to the trailer being pulled. For this exercise, please assume that the insurance company takes this same general liability approach. To be certain, you will want to check with your insurance company prior to towing a trailer.

PROPERTY DAMAGE: Smith's Pickup - $28,500	BODILY INJURIES: Ann Smith: minor bumps & bruises,	Tom Jones: minor bumps & bruises,
Smith's Boat - $30,000 (totaled)	one broken arm, ER visit = $1,200	concussion = $900
Jones's Car - 9,500 Doe's Car - $5,000	Sam Smith: broken arm, broken leg, punctured lung, concussion, loss of vision	John Doe: broken leg, ambulance, concussion = $3,500
	in right eye, ambulance, ER visit, 2 nights hospital stay, 26 rehabilitation visits, and	Jane Doe: Stitches in forehead, dislocated shoulder, 12 rehabilitation visits = $12,000
	"Pain & Suffering" = $75,680	Mr. Bullwinkle: broken leg, broken back, hospital stay, 26 rehabilitation visits, "Pain & Suffering" = $100,000

John & Jane Doe have the following auto insurance:

Hometown Insurance Company

Includes:

• $25,000 bodily injury per person

$50,000 bodily injury per accident

$10,000 property damage per accident

• $25,000 uninsured motorist per person
• $50,000 uninsured motorist per accident

Sam & Ann Smith have the following auto insurance:

C&C Insurance Company

Includes:

• $25,000 bodily injury per person

$50,000 bodily injury per accident

$25,000 property damage per accident

• $1,000 Medical pay per person
• $25,000 uninsured motorist per person
• $50,000 uninsured motorist per accident
• $250,000 collision

Tom & Sue Jones has the following auto insurance:

Duncan Insurance Company Includes:

• $100,000 bodily injury per person

$300,000 bodily injury per accident

$100,000 property damage per accident

• $50,000 uninsured motorist per person
• $100,000 uninsured motorist per accident
• Comprehensive ACV - $100 deductible
• Collision ACV - $500 deductible

Please answer the following in complete sentences. The completeness of your answers to all parts of the questions will factor in your grade for this assignment. Please provide at least 3 or more sentences per question.

1. Look at your own personal auto insurance, get a quote, do some quick research to determine what might cause you to pay extra for your insurance policy? (Age? Driving a red sports car? Traffic tickets in the past?)