Dwight Fox is a divorced 40-year-old loan officer at a large regional bank; he has a 16-year-old son. He has decided to use his annual bonus as a down payment on a new car. One Saturday afternoon Dwight visits Unique Motors and buys a new car for $32,000. To obtain insurance on the car, Dwight calls his agent, Carrie Dawson,, who represents Brown’s Insurance Company, and explains his auto insurance needs. Carrie says that she’ll investigate the various options for him. Three days later, Dwight and Carrie get together to review his coverage options. Carrie offers several proposals, including various combinations of the following coverages: (a) basic automobile liability insurance, (b) uninsured motorist’s coverage, (c) automobile medical payments insurance, (d) automobile collision insurance, and (e) comprehensive automobile insurance.