Pls help ASAP Your insured has bought a snowmobile and you have provided an O.A.P. 1 Owner's Policy with endorsement permittingunlicensed drivers of recreational vehicles. His fourteen (14) year old son drives the machine alone out onto the lake andit goes through the Ice. It is not recovered. Would the loss be covered?OA) The loss would not be covered as the son was not accompanied by an adult.OB) The loss would only be paid if the policy includes Comprehensive or All Perils coverage.coverage.OC) The loss could be paid under either Specified Perils or ComprehensiveOD) The loss would not be covered as it was the son's stupidity that caused the loss. Your insured's automobile is badly damaged in an accident. He/she callsto advise that the insurer wants to write-off the car because the estimatedrepair cost is greater than its "Red Book" actual cash value. Your insuredfeels that this is unfair and wants the vehicle to be repaired. What shouldyou tell your insured?Losses are rarely settled according to the "Red Book" value, so you'llnegotiate with the insurer for the vehicle to be repaired.Your insured is entitled to obtain an appraisal, for which the costs must beshared equally with the insurer.The insurer must comply with the wishes of your insured so legal actionshould be taken.You will try to have the insurer waive the deductible to help compensate forthe claim being treated as a total loss.

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Your insured has bought a snowmobile and you have provided an O.A.P. 1 Owner's Policy with endorsement permitting unlicensed drivers of recreational vehicles. His fourteen (14) year old son drives the machine alone out onto the lake and it goes through the Ice. It is not recovered. Would the loss be covered? OA) The loss would not be covered as the son was not accompanied by an adult. OB) The loss would only be paid if the policy includes Comprehensive or All Perils coverage. coverage. OC) The loss could be paid under either Specified Perils or Comprehensive OD) The loss would not be covered as it was the son's stupidity that caused the loss.

Your insured has bought a snowmobile and you have provided an O.A.P. 1 Owner's Policy with endorsement permitting unlicensed drivers of recreational vehicles. His fourteen (14) year old son drives the machine alone out onto the lake and it goes through the Ice. It is not recovered. Would the loss be covered? OA) The loss would not be covered as the son was not accompanied by an adult. OB) The loss would only be paid if the policy includes Comprehensive or All Perils coverage. coverage. OC) The loss could be paid under either Specified Perils or Comprehensive OD) The loss would not be covered as it was the son's stupidity that caused the loss.