Which of the following situations would be covered under the liability section of the PAP?

I. A mechanic is sued by a pedestrian who is injured when the mechanic has an accident while road testing the insured's auto.

II$.$ The daughter of the named insured is sued after she has an accident when a new friend she just met at a campus hangout lets her drive his car.

II only

I only

both I and II

neither I nor II