Question

John Smith owns a 2015 Ford Taurus. John is the named insured under an auto insurance policy written by InsurCo., which is identical to your sample policy, and the Taurus is the vehicle described on the declarations page of this policy. John has these coverages under this policy: A, B, C, & D, ($250 deductible collision and $100 deductible other-than-collision [OTC]). John rents a 2016 Honda Accord while on vacation. Late one night, while John was driving the rented Honda, another motorist comes into John’s lane, doesn’t strike the Honda, but forces John off the road. The Honda collides with a house owned by Alice Jones, damaging Alice’s house and the Honda, and injuring John—requiring him to incur medical expenses. The other motorist is never found.

All of the following statements about coverage under John Smith's PAP are true, EXCEPT:

a. John is covered under Part A—Liability Coverage of his policy if Alice sues John for the damage to her house.
b. For the damage to the Honda, John has a valid claim under Part D—Coverage for Damage to Your Auto, but not under Part A—Liability Coverage.
c. The Honda is a covered auto under John’s policy under Part D—Coverage for Damage to Your Auto, because it comes within the definition of "your covered auto."
d. John’s auto policy provides coverage for cars in addition to John’s 2015 Ford Taurus

Answer 1

a. John is covered under Part A—Liability Coverage of his policy if Alice sues John for the damage to her house.

Step-by-step explanation:

Base on the scenario been described in the question, all of the following statements about coverage under John Smith's PAP are true, EXCEPT: John is covered under Part A—Liability Coverage of his policy if Alice sues John for the damage to her house.