Personal Auto PolicyQuestion 386 of 531
An insured with 50/100/25 limits is at fault in a crash that injures one person, whose bodily injury claim is settled at $85,000. Part A pays:
a.$100,000, the amount available for the crash
b.$50,000, the most payable for one person
c.$85,000, since it is below the per-accident limit
d.$35,000, the excess over the limit
Explanation
The first split-limit figure caps what the policy will pay for any one person's bodily injury, so the settlement is cut to $50,000. Only one claimant is involved, which means the $100,000 per-accident figure never comes into play; that number is a ceiling on the total, not an amount available to a single person. The insured is personally exposed for the other $35,000.
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