Personal Auto PolicyQuestion 378 of 474
An insured with 100/300/50 limits runs off the road and destroys a $65,000 car and a $10,000 fence. Part A property damage pays:
a.$100,000
b.$75,000
c.$25,000
d.$50,000
Explanation
The third number in a split limit is property damage per accident, so $50,000 is the most payable for all property destroyed in one accident even though the car and fence total $75,000. The insured personally owes the $25,000 shortfall. The $100,000 answer borrows the bodily injury per-person figure, which has nothing to do with damaged property.
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Related questions on this topic
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