Question 19 (4 points) You are the named insured under a PAP in which the only vehicle listed in the policy Declarations is your Ford Explorer. A friend asks to borrow your Explorer and you allow her to take it. While driving your car, your friend crashes into a utility pole and causes significant damage to the Explorer. In this case, which of the following statements regarding the coverage of this loss under Part D: Coverage for Damage to Your Auto of your PAP is true? Your PAP will pay for the damage to the Explorer but will not subrogate against your friend to try to recover their money, since she was using the car with your permission. Your PAP will not cover the damage to the Explorer since your friend does not meet the definition of an "insured" under Part D of your policy. Your PAP will pay for the damage to the Explorer but will then subrogate against your friend to try to recover their money, since she is legally responsible for the damage. Your PAP will not cover the damage to the Explorer since it does not meet the definition of "your covered auto" under Part D when being used by someone other than the named insured or a family member