Which one of the following cars isleast likely to be coveredunderany part of the PAP?

Select one:

a.

A minivan, not owned by the named insured, temporarily driven by the named insured while her car is being repaired

b.

A private passenger car bought by the named insured 2 days ago that replaced a car shown on the Declarations page of the named insured's PAP

c.

A private passenger car listed on the Declarations page of the named insured's PAP

d.

A pickup truck that was owned by the named insured for 1 year but not listed on the Declarations page of any PAP

Harvey Smidlap, the named insured under a PAP (with all available coverages), wasinjured while being driven to a Broadway play in a New York taxicab(the cab was not owned by Harvey and was insured only for liability). Harvey incurred medical expenses due to his injury and he made a claim underCoverage B of his PAP. Which one of the following statements is true about whether Harvey's claim is valid?

Select one:

a.

It is, because the taxicab qualified as "your covered auto"

b.

It is not, because of the public or livery exclusion

c.

It is not, because Harvey was not occupying a covered car

d.

It is, because Harvey is the named insured and no exclusion applies

Harvey Smidlap insured his van under a PAP including Part DCoverage for Damage to Your Auto (both collision and OTC {comprehensive}).Harvey's van was customized, including built-in furniture and a bar, special carpeting and insulation, and a custom mural on the exterior. One day, a nearbyfirescorched the side of Harvey's van, destroying the custom mural. The next day,heavy rainsflooded the van, destroying his furniture, bar, and special carpeting and insulation. Harvey made claims under his PAP for all his vehicle damage.

Which one of the following statements about whether theflood damage to Harvey's vehicleis covered under his PAP is true?

Select one:

a.

It is, because flood is "direct and accidental loss," and no exclusion applies

b.

It is not, because flood damage is not covered by the PAP

c.

It is not, because Harvey's policy excludes damage to these property items (unless covered by endorsement)

d.

It is, because flood is a specifically listed covered peril under OTC

John Smith's car is insured under our sample personal auto policy (PAP) and has all available coverages (including $500 deductible collision and $100 deductible comprehensive or OTC).John Smith's car breaks down.John promised his wife Jane, however, that they'd go to the ballet.So John borrows his neighbor Sam Wilson's car. Once the ballet ended, John and Jane drove home in Sam's car. John and Jane were discussing the performance and John took his eyes off the road.He ran a red light and struck a car being driven by Barney Watson, damaging Barney's car and injuring Barney and Jane.

Will John's insurer pay anyclaims for medical expenses under Part BMedical Payments Coverageof John's policy?

Select one:

a.

Yes, for Barney and Jane

b.

No, Sam's car is not covered under John's policy

c.No, because John, the named insured, was not injured in the accident

d.

Yes, for Jane onlyif Sam had no Medical Payments Coverage on his car