Barney Challenges Fred to a Drag Race Across the Mall

Barney challenges Fred to a drag race across the mall parking lot. During the race, Barney loses control of the car and collides with another vehicle, causing serious injuries to the other driver. Which of the following is a true statement regarding the PAP's treatment of this claim?

A) The PAP will not cover this because it occurred on private property.
B) The PAP will not cover this because it occurred while he was racing.
C) The PAP will cover this because it did not occur inside a racing facility.
D) The PAP will cover this because it does not in any way exclude coverage for racing.