John Smith's car is insured under our sample personal auto policy (PAP) and has all available coverages (including $500 deductible collision and $100 deductible comprehensive or OTC). John Smith's car breaks down. John promised his wife Jane, however, that they'd go to the ballet. So John borrows his neighbor Sam Wilson's car. Once the ballet ended, John and Jane drove home in Sam's car. John and Jane were discussing the performance and John took his eyes off the road. He ran a red light and struck a car being driven by Barney Watson, damaging Barney's car and injuring Barney and Jane.

Will John's insurer pay for the damage to Sam's car?