Personal Auto PolicyQuestion 389 of 531
At the insurer's request an insured attends three days of hearings and loses $150 of pay on each of those days. The supplementary payments pay her:
a.$450, her actual earnings lost
b.$200, the daily cap for a single day
c.$600, three days at the daily cap
d.Nothing, because attendance was voluntary
Explanation
The policy pays up to $200 a day for loss of earnings when an insured attends hearings or trials at the insurer's request, so the cap only bites when the real loss is larger. Three days of genuine loss at $150 comes to $450, and the $200 figure is a ceiling rather than a fixed daily benefit. Attendance requested by the insurer is not voluntary.
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