Coverage would be provided for trees, shrubs, or other plants under the additional coverages of the standard Homeowners policies in which of the following situations?
a. The insured's 16-year-old son accidentally drives over the new shrubs the named insured has just planted along his driveway.
b. An expensive fruit tree that is killed by the insured's dog who repeatedly urinates at the base of the tree.
c. A neighbor, driving his own vehicle, accidentally runs over the insured's holly tree when he runs off his own driveway and into the insured's yard.
d. Shrubs that are ruined because the named insured emptied motor oil into the yard while changing the oil in his car.
Answer: c. A neighbor, driving his own vehicle, accidentally runs over the insured's holly tree when he runs off his own driveway and into the insured's yard.
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