Robert carries full coverage on his automobile under a PAP, including liability, medical payments, physical damage, and uninsured motorist coverage. He enjoys a financial windfall and decides to purchase a second car.

He drives the new car home and parks it in the driveway, then goes into the house to call his insurance agent and report the purchase. Cassandra, who is driving Robert’s old car, wheels into the driveway and is unable to stop, colliding with the new car and causing extensive damage to both vehicles. Robert is heartbroken because the agent’s line was busy, and he had not completed his call.

Attempt to console him.