You are a college student. You just bought a car from your friend. The vehicle is an old and high$-$mileage $2005$ Kia. Current market value is $$2,500.$

What are the major coverages in the PAP? $(10$ pts$)$

Among those coverages in Part $1,$ which one$($s$)$ is$/$are mandatory? Which one$($s$)$ is$/$are optional? Should you get all of these coverages? $(5$ pts$)$

Assume that you bought PAP coverages. To what extent, if any, would your insurance cover the following situation?

$($a$)$ Your roommate borrows your car with your permission. He injures another motorist. Your roommate is at fault. $(5$ pts$)$

$($b$)$ You are driving when you are drunk. You get into an accident and seriously injure the other motorist. $(5$ pts$)$

$($c$)$ During the football season, you decide to use your own car to drive football fans from a local bar to the stadium for extra income. You get into an accident and some of the passengers in your car are injured. $(5$ pts$)$

$($d$)$ You drive your friend's car with his permission and get into an accident. The other motorist is injured. You are at fault. $(5$ pts$)$

$($e$)$ You go to Canada on a business trip and rent a car there. Another car scratches your rental car when it is parked in the parking lot. $(5$ pts$)$

You also own a motorcycle. Does your PAP cover this vehicle? $(5$ pts$)$