Personal Auto PolicyQuestion 387 of 531
An insured carries a $500,000 combined single limit. One at-fault crash produces bodily injury claims of $410,000 and property damage of $60,000. Part A pays:
a.$250,000, half the limit for each kind of damage
b.$470,000, the entire loss under one shared limit
c.$410,000, as property damage needs a limit of its own
d.$500,000, since the single limit is paid in full
Explanation
A combined single limit puts one amount at the disposal of bodily injury and property damage together for any one accident. The two claims add to $470,000, which is inside the $500,000 limit, so the whole loss is paid and $30,000 of limit is left over. Split limits of 100/300/50 on the same facts would have paid only $150,000, which is the point of the comparison.
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