In which scenario would Jodie NOT be covered for damages resulting from an accident?

In the scenario where Jodie drove without a valid driver's license, her action is considered illegal, and many auto insurance policies contain a clause that excludes coverage when a driver is operating a vehicle unlawfully. Driving without a valid license is typically viewed as a serious violation of the law, and insurance companies may refuse to cover any damages or liability that arise from such an incident. This is because the insured must comply with all legal requirements for a valid policy to be effective.

The other scenarios involve factors that may limit coverage but do not automatically negate it. For example, driving a vehicle not listed in her policy could lead to reduced coverage or specific exclusions depending on the policy terms, and driving under the influence can also affect liability coverage, possibly leading to reductions in compensation depending on the jurisdiction's laws and the policy. On the other hand, minor damages may not impact coverage at all, but they also do not negate coverage. Thus, Jodie's lack of a valid driver's license directly impacts her eligibility for coverage in a more definitive way.