Jim's son, Hayden, received his first car at age 16, a 1997 Ford Taurus. Jim's Personal Auto Policy has full coverage with Liability limits of $300,000, Med Pay of $5,000, Basic PIP, Additional PIP of $25,000, Extended PIP, stacked UM, Collision with a $500 deductible and Comprehensive with no deductible. Hayden's car, valued at $3,000.00, is added to the policy and insured for the policy's existing Liability, Med Pay, PIP and UM limits only. Hayden [permanently] installed a CD player in the dash, replacing the manufacturer's radio unit at a cost of $250.00. Only a month later, the car was stolen from the school parking lot. Hayden insists that a claim be filed under the family's insurance policy so he can get another car and buy a new CD player for it. What would you tell him the policy will pay?
(A) $3,000.00; The CD player is not covered as it was not the original manufacturer unit.
(B) $ - 0 - ; There is no Comprehensive coverage.
(C) $ 250.00; There is no Comprehensive coverage, so theft is not covered.
(D) $3,250.00; There is no deductible for theft, so the entire amount is paid.