Please add exact payments for each question

With respect to each of the following situations, determine whether the loss is covered, by which section of the policy and how much Fred's insurer will pay. If Fred's policy does NOT cover such loss, then briefly explain why. In situations where Fred's policy may apply on an excess basis (in order words, other policies are considered primary coverages), ignore the primary coverage. Assume that each situation is a separate event. 1. Fred's son, age 16, is driving the family car and kills a pedestrian. The heirs of the deceased pedestrian sue for $100,000. a) Circle one: Covered (also answer part b) Not covered (also answer part c) b) If covered, by which section and how much will the insurer pay: c) If it is NOT covered by Fred's policy, explain why: 2. Fred borrows a friend's car to go to the supermarket. He fails to stop at a red light and negligently smashes into another motorist. The other driver's car, valued at $5000, is totally destroyed. In addition, damages to the friend's car are $1000. Ignore Fred's friend's insurance. The other driver's car: a) Circle one: Covered (also answer part b) Not covered (also answer part c) b) If covered, by which section and how much will the insurer pay: c) If it is NOT covered by Fred's policy, explain why: Damage to the friend's car: a) Circle one: Covered (also answer part b) Not covered (also answer part c) b) If covered, by which section and how much will the insurer pay: c) If it is NOT covered by Fred's policy, explain why: 3. Fred lets his best friend Mark drive the car, and Mark negligently injures another motorist. Mark is sued for $10,000. a) Circle one: Covered (also answer part b) Not covered (also answer part c) b) If covered, by which section and how much will the insurer pay: c) If it is NOT covered by Fred's policy, explain why