Question
Tanya, age 20, is a college student who recently purchased her first car and personal auto policy (PAP) that includes the Liability Coverage (Part A),
Tanya, age 20, is a college student who recently purchased her first car and personal auto policy (PAP) that includes the Liability Coverage
(Part A), Medical Payments Coverage (Part B), Uninsured Motorists Coverage
(Part C) and Coverage for Damage to Your Auto (Part D). To what extent, if any, would her PAP cover the following situations?
(1) Dani, Tanyas roommate, borrows Tanyas car with her permission and injures another motorist. Dani is at fault. (2) Tanya is driving under the influence of alcohol and is involved in an accident where another motorist is seriously injured. (3) During the football season, Tanya charges a fee to transport fans from a local bar to the football stadium. Several passengers are injured when Tanya suddenly changes lanes without signaling and hits another car. (4) Tanya drives her boyfriends car on a regular basis. While driving the boyfriends car, she is involved in an accident in which another motorist is injured. Tanya is at fault. (5) Tanya rents a car in England where she is participating in a summer study abroad program. The car is stolen from a dormitory parking lot.
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