1. The liability section of a personal auto policy responds when the insured is legally responsible for:

Bodily injury or property damage to others

Auto liability coverage pays for bodily injury and property damage the insured causes to others.

2. A friend who borrows the insured's car with permission and causes an accident is generally:

Covered as a permissive user under the policy

A permissive user driving with the insured's consent is generally covered under the policy's liability coverage.

3. When a covered auto is a total loss, the PAP physical damage coverage generally pays:

The actual cash value of the vehicle at the time of loss

Physical damage coverage on a total loss pays the vehicle's actual cash value at the time of the loss.

4. A named driver exclusion endorsement on an Alaska auto policy:

Removes coverage when a specifically named person drives the car

A named driver exclusion removes coverage for accidents occurring while the excluded person is driving.