Question 119

Pat's Liability coverage will pay for Dewayne's injuries.

In this situation, Pat's Liability coverage is applicable because it protects against injuries to others occurring on Pat's property, which includes Dewayne's accident in the detached garage.

A) Pat's Liability coverage

This option is correct because it specifically covers injuries that occur to others while they are on the property of the policyholder. Since Dewayne was injured in Pat's garage, Pat's Liability coverage would be responsible for compensating Dewayne for his injuries.

B) Dewayne's Liability coverage

This option is incorrect as Dewayne's Liability coverage would not apply in this context. Liability coverage protects the policyholder (Dewayne) against claims made by others due to his actions, but since he was the injured party and not the one causing the incident, this coverage does not help him in this scenario.

C) Dewayne's Dwelling coverage

This option is also incorrect. Dwelling coverage typically protects the structure of the insured's home and does not provide coverage for personal injuries sustained by the insured or others. Therefore, it does not apply to Dewayne's injuries from the accident.

D) Pat's Other Structures coverage

This option is not correct as it pertains to coverage for structures on the property that are not attached to the main dwelling, such as sheds or detached garages. However, this type of coverage does not address personal injuries sustained by individuals on the property.

Conclusion

Pat's Liability coverage is the only option that provides financial protection for injuries to others occurring on Pat's property, making it the correct choice in this scenario. All other options fail to address the specific nature of the injury incident and do not offer the necessary coverage for Dewayne's injuries.