Please show all work step by step.

1. Alberto has a standard unendorsed HO-3 contract with $100,000 of Liability Coverage. He is ordered by a judge to pay his neighbor $162,000 because of bodily injuries the neighbor suffered while he and Alberto were fishing in Alberto's old, undeclared 35 horse-power outboard motorboat. How will the contract respond? 2. Joe owns a house on which he carries a $400,000 HO-3 policy. The replacement cost of the house is $600,000. A fire loss occurs and badly damages an attached garage that has a replacement cost of $10,000. How much can Joe collect under his HO-3 policy? 3. Gerry has a PAP with Liability coverage limits of 25/50/10 and a $1,000 Medical Payments coverage limit. He collides with another car (he is at fault) and the following losses are incurred. (8 points) Bodily injury to the driver of the other car = $100,000. Bodily injury to the passenger of the other car = $3,000. Property damage to the other car = $11,000. Bodily injury to Gerry's wife = $5,000. a. How much will Part A of the PAP pay, in total, for this accident? b. How much will the (entire) PAP pay, in total, for this accident? 4. Assume that you have limits of 15/25/15 ($15,000/$25,000/$15,000), the minimum required in the state where your car is garaged. If you are driving in a state that requires 25/50/20 ($25,000/$50,000/$20,000) and are involved in an accident, your insurer will interpret your policy as if it had the higher limits. Thus, even though you have to meet only the requirements where you live, your policy will provide the limits you need in any state or province in which you may be driving. Identify the provision in your automobile insurance policy that makes this possible 5. Mary's house catches on fire. $50,000 of her jewelry is destroyed by the fire. What is the maximum amount her standard unendorsed HO-3 policy will pay for this loss? Why? What advise would you give her