Part D: Settlement of Automobile Physical Damage Claims It has been determined that Sam has not purchased the coverage for Loss of Use of the Vehicle (OPCF # 20) or for Waiver of Depreciation (OPCF #43) on either of his vehicles. Explain what steps you will have taken in order to specifically investigate the automobile fire loss. (10 marks) Do you have any concerns about this loss? How would you pursue your investigation based on these concerns? (10 marks) Explain briefly what coverage Sam would have had if he had purchased these common automobile endorsements? (10 marks) What steps would you take in denying a claim for which coverage could have been purchased? (5 marks) How would you reach a positive outcome in this situation? (10 marks Please include in-text citation and reference (this is from the subject "Loss adjusting essential skills" from the course insurance and risk management )