Under which of the following circumstances would the liability coverage of the Dawson's PAP be available to defend a negligent driver who has an accident? .... I. A neighbor borrows Sandra's car without her knowledge but with the belief this would be agreeable to Sandra since the neighbor had borrowed the car several times previously. ... . II. A neighbor's eighteen year old son who, while intoxicated, takes Sandra's car to show his buddies how he can start a car without an ignition key. ... III. The mechanic who test drives Sandra's car after repairing the brakes. Select one: a. I only b. I and III only c. All of these d. None of these