An agency insured has joint custody with his ex-wife of their 17-year-old daughter. The daughter lives with the insured during the school year but spends most of the summer and holidays with her mother on a small farm. Her mom has an old Ford F-350 pickup truck at the farm that she lets her daughter drive. The insured wants to know if his PAP covers his daughter (and him as a parent) if she has an at-fault accident in the pickup. What about non-auto liability exposures under his HO policy?

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