The assigned reading and lectures from this module will be useful incompleting this assignment. You will also need to refer to a policydescription or summary of coverages you find online from an automobileinsurance company along with the information in the fact patternregarding the Declaration Sheet and the Endorsement. Ignore allEndorsements except for the endorsement described in the fact pattern.Use the policy description or summary of coverages you found online forthis exercise and the declaration sheet information and endorsementinformation provided in the fact pattern. Cite the source of thecoverage information as well as the company.

Prepare a memorandum of no less than three pages and no more than five pages to "file" addressing the following:

• A summary of the relevant facts for purposes of coverage determination.
• A discussion of all insurable losses sustained regardless of whether the loss is covered by the policy
• A determination of whether each loss is covered by thepolicy including an application of the relevant facts to therelevant policy provisions that justify the determination (don'tforget to consider exclusions and conditions)
• A determination of whether there is a duty to defendunder the policy including an application of the relevant factsto the relevant policy provisions that justify the determination(don't forget to consider exclusions and conditions)