Wilhelmina Jones is the named insured under a PAP with Coverage A, B, C, and D (collision and OTC--$100 deductible). One day, Wilhelmina's neighbor, Buster Jones (who had no auto insurance),took Wilhelmina's carthe described car under Wilhelmina's PAPwithout her permission and knowing she had forbidden him to use any of her cars. Buster drove Wilhelmina's car negligently and hestruck a car driven by Barney Wilson, injuring Barney and damaging Barney's car.

If Barney has a PAPthat is identical to Wilhelmina's, Barney is likely to have valid claimsif he chooses to make themunderwhich parts of Barney's PAP?

Select one:

a.

Parts BMedical Payments and CUninsured Motorists

b.

Parts BMedical Payments, CUninsured Motorists, and DDamage to Your Auto

c.

Part BMedical Payments only

d.

Part ALiability only

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 thedestruction of Harvey's mural is covered under his PAP is true?

Select one:

a.

It is not, because fire damage is not covered under Harvey's policy

b.

It is not, because Harvey's policy excludes custom murals (unless covered by endorsement)

c.

It is, under collision, because any unintentional damage to the vehicle is covered

d.

It is, under OTC, because fire is a covered peril under OTC