Personal Auto PolicyQuestion 377 of 474
With 100/300/50 limits, an at-fault insured injures four people whose claims are valued at $90,000, $120,000, $150,000 and $60,000. Part A bodily injury pays:
a.$350,000, after the per-person caps
b.$300,000, the per-accident limit
c.$420,000, the four claims in full
d.$400,000, four times the per-person cap
Explanation
Apply the per-person cap first: $90,000 + $100,000 + $100,000 + $60,000 = $350,000. That total then runs into the $300,000 per-accident limit, so $300,000 is the most payable for all bodily injury in the accident and the claimants share it. The $350,000 answer stops after the per-person step, and $420,000 is the untrimmed sum of the four claims.
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