Bob loans his car to Norm, and Norm wrecks the car.  Both Bo…

Bob loans his car to Norm, and Norm wrecks the car.  Both Bob and Norm have Personal Auto Policy’s on their owned vehicles, and both men have purchased all four major coverages (A, B, C and D) on their automobiles.  Whose policy will pay for this loss on a PRIMARY basis?

Mr. Green’s 24-year old son still lives at home while attend…

Mr. Green’s 24-year old son still lives at home while attending college part-time.  The son also has an apartment near his college campus.  His stereo is stolen from the apartment.  The stereo has a $1,400 replacement cost, and an actual cash value of $900.  If there is a $200 deductible on Section I, how much will the HO‑2 contract pay for the stolen stereo?

A tornado causes the garage to collapse on Mr. Woody’s car,…

A tornado causes the garage to collapse on Mr. Woody’s car, and the damage to the car is $5,000.  Mr. Woody has a PAP with both Collision and Other than Collision coverages.  A $200 deductible applies to the Collision coverage.  There is a $0 deductible on Other than Collision coverage.  How much is paid by the PAP for the tornado damage?