Winifred hosted a party at her home at which liquor was served. When he left the party, Stephen, one of Winifred$$s guests, was inebriated and caused a serious auto accident with his car in which Aimee was injured. Aimee sued Winifred for damages. If Winifred was the insured under a $2022$ Insurance Services Office, Inc., homeowners policy,

a$.$ the policy would cover this claim because Stephen, who was driving the car, was an insured.

b$.$ the policy would cover this claim because Stephen, who was driving the car, was not an insured.

c$.$ the policy would cover this claim under the host liability additional coverage.

d$.$ the policy would not cover this claim.