Patricia is 20 and a college student at the University of Illinois. She owns a 2012 Toyota Camry, with very high miles on it. The current market value of the car is about $4,000. Patricia has purchased a personal auto policy (PAP). Take a look at the scenarios below and determine to what extent, if any, would her insurance cover the situations described.

1.Patricia had too much to drink at the party and was driving home under the influence of alcohol.She was involved in an accident with another motorist that caused the other driver a serious injury.Her automobile policy limits are at the minimum for Illinois: 20/50/20. The injured driver was in the hospital for 15 days with medical bills of $35,000 -- so far.

To what extent would Patricia's auto insurance cover this incident? What are two likely consequences for Patricia?

2.Big crowds are expected to come to campus for a football game (in pre-pandemic times....), and Patricia decides this seems like a good way to earn some extra money by driving for Uber. She intends to use her car to pick people up from Neil Street Bluesanddrop them off at the stadium. Two of her passengers are injured when Patricia slams into a traffic light as she suddenly veers to the right to miss hitting pedestrians in the cross walk.

To what extent, if any, would Patricia's insurer pay this claim for injuries? How would insurance work to cover the medical costs of the two injured passengers, who had to be transported to the emergency room?

3.Patricia is driving her boyfriend Roger'scar.She is involved in an accident with another motorist,whose car is damaged and who has an injury.Patricia is at fault.

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