please write answers clearly and correct for this homework. thank you

D Question 11 All of the following are insured persons under the liability coverage of the personal auto policy EXCEPT An auto repair shop mechanic while road testing the insured's vehicle The employer of the named insured for actions resulting from the named insured's use of a covered personal auto for business pu A relative of the named insured if a member of the insured's household. A friend who drives the insured's vehicle with permission. Question 12 The purpose of the "Gap" endorsement under the Personal Auto Policy is to: Pay the difference between the total loss settlement for physical damage to an insured vehicle and the balance owed on a lease or car Pay the difference between the bodily injury liability limit purchased and the actual amount of bodily injury damages incurred Pay the difference between the uninsured motorist coverage limit and the actual amount of the medical expenses incurred by the insu Pay the difference between the medical payments coverage limit and the actual medical expenses incurred by injured family membem passengers in the insured auto 2 pts D Question 13 Kristen has $200,000 Underinsured Motorist coverage. She is injured by a negligent motorist and suffers bodily injury of $130,000. The negligent motorist has limits of $30/60/25. What amount will Kristen collect under her UIM coverage? $ 200,000 $130,000 O $30,000 $100,000