Given the following claims scenario, demonstrate how a claims representative would handle the claim and analyze coverage.

John is driving his 1999 Toyota Corolla on I-10 Katy Freeway when he accidentally spills his coffee in his lap. He looks down briefly when all of a sudden track stops and he rearends a 2021 Jeep Grand Cherokee. The Jeep was driven by Jack with his wife in the passenger seat. The Jeep is totaled, and Jack & his wife are transported to the hospital for injuries.