Final answer:
Chad is primarily responsible for the damages to Stephanie's truck since he was the one who borrowed and damaged it. The insurance company may cover the damages if the policy allows for it, but otherwise, Chad would need to pay out of pocket. Option b
Step-by-step explanation:
If Chad borrows and damages Stephanie's truck, the responsibility to pay for the damages primarily falls on Chad because he was the one responsible for the damage while the vehicle was under his care. However, the actual payment could be more complicated and may involve the insurance company depending on the coverage of the insurance policy that Stephanie has on the truck.
If the insurance policy covers damages made by other drivers with Stephanie's permission, then the insurance company may pay for the repairs. Otherwise, Chad would have to pay out of pocket or through his own insurance if he has coverage for driving other people's vehicles.
Therefore, the correct answer would generally be b) Chad, but it is possible that the insurance company will cover the costs, partially or fully. Option b