Karen is the named insured under a PAP that provides coverage for bodily injury and property damage liability, medical payments, and uninsured motorists coverage. For each of the following situations, briefly explain whether the claim is covered by Karen's PAP.

a. Karen ran into a telephone pole and submitted a medical expense claim for Jason, a passenger in Karen's car at the time of the accident.

b. Karen allowed Scott to use her car. While operating Karen's car, Scott damaged Gray's car in an accident caused by Scott's negligence. Karen is sued by Gray for damages.

c. Karen's husband ran over a bicycle while driving a friend's car. The owner of the bicycle demands that Karen's husband pay for the damage.

d. In a fit of anger, Karen deliberately ran over the wagon of a neighbor's child that had been left in Karen's driveway after repeated requests that the wagon be left elsewhere. The child's parents seek reimbursement.