Gerardo's personal auto policy $($PAP$)$ has liability limits of $$15,\frac{000}{\text{\$}}30,\frac{000}{\text{\$}}10,000.$ One of the covered autos listed in Gerardo's PAP has a trailer hitch. Gerardo buys a small utility trailer to haul yard debris to a disposal site. What, if anything, does Gerardo need to do to have liability coverage if$,$ say, the trailer strikes another vehicle or object while he is towing it behind his car?

$($Search Chapter $2)$

a$.$ Ask his insurance agent to add the trailer to his policy; there will be no additional premium.

b$.$ Nothing; Gerardo's PAP automatically provides liability coverage in this case.

c$.$ Report the trailer to his insurance agent within $14$ days and pay an additional premium.

d$.$ Report the trailer to his insurance agent within $4$ days and pay an additional premium.