What type of coverages apply under the owner's policy (OAP 1) in Ontario when another motorist is responsible for personal injuries to the insured, injuries to a pedestrian, and damage to the insured's automobile?

		a. Liability, uninsured automobile coverage, and comprehensive
		b. Liability, direct compensation, and uninsured automobile coverage
		c. Liability, direct compensation, and collision
		d. Liability, direct compensation, and accident benefits