Alan has a PAP with the following coverages:

• Liability coverages: $100,000/$300,000/$50,000
• Medical payments coverage: $5,000 each person
• Uninsured motorists coverage: $25,000 each person
• Collision loss: $500 deductible
• Other-than-collision loss: $500 deductible

With respect to each of the following situations, indicate whether the loss is covered and the amount payable (or maximum amount payable), if any, under the policy. Assume that each situation is a separate event.

1. Alan's son, age 16, is driving a family car, runs a red light, and kills a pedestrian. The family of the deceased pedestrian sues and damages are awarded in the amount of $500,000.

2. Alan borrows a friend's car to go to the supermarket. He fails to stop at a red light and negligently smashes into another motorist. The other driver's car, valued at $15,000, is totally destroyed. In addition, repairs to the friend's car are $5,000.

Another motorist's loss:

Friend's loss:

3. Alan's daughter, Heather, attends college in another state and drives a family auto. Heather lets her boyfriend drive the car, and he negligently injures another motorist. The boyfriend is sued for $50,000.

4. Alan's wife is driving a family car in a snowstorm. She loses control of the car on an icy street and smashes into the foundation of a house. The property damage to the house is $30,000. The damage to the family car is $8,000. Alan's wife has medical expenses of $5,000.

House:

Family Car:

Medical Expenses: