Personal Auto PolicyQuestion 385 of 531
An at-fault insured carries 250/500/100 split limits. Three people are hurt, with claims valued at $180,000, $220,000 and $160,000. Part A bodily injury pays:
a.$750,000, three times the per-person limit
b.$250,000, the per-person limit for one crash
c.$560,000, the full value of the three claims
d.$500,000, the per-accident cap
Explanation
With split limits the second figure caps all bodily injury arising from any one accident. Each of the three claims sits under the $250,000 per-person limit, so nothing is trimmed on that account, but the three add to $560,000 against a $500,000 per-accident cap. The insurer pays $500,000 and the insured is exposed for the remaining $60,000.
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