Logan has a fully paid insurance policy that covers liability and physical damage for his vehicle. Logan lends this vehicle to a neighbor who has an accident and is found legally liable. There were injuries to the not-at-fault driver and damage to that vehicle as well. In this case, which one of the following is considered to be third-party to the automobile insurance policy?

A. Both the neighbor and the accident victim
B. Only the accident victim
C. The car repair facility used by the accident victim
D. Both the owner and the accident victim