Hi Jose,

I sent you an email with this information but I also wanted to respond in the student forum.

The specific answers are not in the course but the information you need to answer these questions are in the course. For example I've attached the section that contains the information you need to answer the first question. I've also listed all of the answers below. Please let me know if you have other questions.

Jan

Who is insured for liability coverage?
Liability insurance covers the following people:
• The named insured and resident relatives (family members in your house)
• Anyone operating the insured vehicle with the insured’s permission
• Persons who may be responsible through vicarious liability. The policy will defend anyone legally responsible for your auto but only for matters the company would have defended you for anyway. For example, if you are on a company errand when you cause an accident, your auto policy will also defend your company if they are also sued. The same is true if you borrow a car and the same thing happens.

Answers:
1. Yes, she has the status of insured as a family member.
2. Yes, because family members have the status of insured for the ownership, maintenance or use of any auto or trailer.
3. Claim denied. There is exclusion for vehicles owned by you, other than your covered auto.
4. Yes, because coverage extends to any person using your covered auto
5. The policy will not protect Rachel because it was intentional, but will protect Ross for any liability brought against him because of severability.