What will Mary's personal auto policy cover regarding the accident involving Wilmer and Katharine?

In this scenario, the correct choice focuses on the coverage provided by Mary's personal auto policy in relation to the injuries sustained by Wilmer and Katharine during the accident.

Personal auto policies typically include liability coverage that pays for injuries or damages that the insured is legally responsible for after a car accident. If Mary is found liable for the accident that caused harm to Wilmer and Katharine, her personal auto policy would cover the medical expenses of the injured parties up to the limits of her insurance policy.

Choosing the option that states Mary’s policy will cover Wilmer's doctor bills but not Katharine's psychiatrist bills aligns with the common provisions of auto insurance relating to bodily injury liability. Typically, medical expenses related to physical injuries from an accident would generally be covered, while psychological treatment or psychiatric care may not be covered under standard auto liability unless specifically included in the policy.

It's important to consider that the specifics of coverage might vary by policy, but generally, personal auto insurance is designed to cover medical expenses of those whom the insured is liable for in the case of an accident. Thus, the selected answer is based on how personal auto policies work concerning liability for physical injuries resulting from an accident.