Suppose that Sam is the named insured under a homeowner's policy. Sam is gay and is aware of the fact that he is in a high-risk group for AIDS. Nevertheless, Sam elected not to get tested. Thus, Sam is not aware of the fact that he is HIV-positive. Sam sexually transmits this disease to an individual that he picked-up" in a gay bar. This individual sues Sam for being negligent in failing to get tested. Assume legal liability. Is Sam covered under Coverage E? To receive any credit, you must document your answer with reference to the homeowner's insurance policy. (4pts)