Alice Jones owns a 2000 Honda Civic.

Alice Jones owns a 2000 Honda Civic. Her auto policy covers this car for liability, uninsured motorists, and medical payments but Alice has no physical damage coverage coverage on the car—no collision or comprehensive coverage. Today, Alice trades in her 2000 Honda Civic for a brand new Toyota Camry. 2 days later, alice crashes the new Toyota Camry into a post, causing damage to its front end. Is Alice covered for the damage to her new Toyota Camry under her PAP?

a. Yes, because the new car is a replacement car and thus is a "newly acquired auto" as defined

b. Yes, as long as she reports the accidents to her insurer within 4 days of her car purchase and asks for collision coverage, she'll have 500 deductible collision coverage

           c. No, because Alice didn't have collsion coverage on her 2000 Honda

           d. No, because Alice hadn't reported her new car purchase before the accident.