90 Your insured's automobile is damaged by another automobile owned and driven by his brother. The brother is found responsible for the $1,000 damage but does not carry any automobile insurance. Your insured carries a standard O.A.P Owner's Policy with Liability, standard Accident Benefits, Uninsured Automobile and Direct Compensation Property Damage, but with no Collision coverage. How much will your insured's policy pay? Nothing, as your insured had no collision insurance. Nothing since the other driver is related to the insured.
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