Reference no: EM131696855

Barbara was driving her vehicle, and her friend Kevin was a passenger. They were starting a one-week visit with Kevin's parents, who live in the same state about 150 miles south of the town where Barbara and Kevin live.

Barbara's vehicle is insured under a PAP listing her as the named insured.

These are the coverages included in the policy:

Coverage A-Liability: $50,000 Each person

$100,000 Each occurrence

Property Damage: $50,000

Coverage B-Medical Payments: $1,000 Each person

Coverage C-Uninsured Motorists: $50,000 Each person

$100,000 Each occurrence

To lower her premiums, Barbara decided not to carry Coverage D-Damage to Your Auto on her five-year old vehicle.

About one hour into the trip, as they were traveling in the southbound lanes of the highway, a northbound vehicle crossed the median and struck Barbara's vehicle. This four-door sedan was operated by Louise, who died at the scene.

As part of the accident investigation, it was determined that Louise suffered a heart attack, which caused her to lose control of her vehicle and cross the highway.

Louise had a PAP listing herself and her husband as named insureds. These are the coverages included in the policy:

Coverage A-Liability: $250,000 Each person

$500,000 Each occurrence

Property Damage: $100,000.

Coverage B-Medical Payments: $5,000 Each person

Coverage C-Uninsured Motorists: $100,000 Each person

$300,000 Each occurrence

question: Barbara's vehicle was carrying several boxes of Kevin's household property, which he intended to store at his parents' home. Is damage to this property as the result of the accident covered under Barbara's PAP?