Personal Auto PolicyQuestion 396 of 531
A policy shows $10,000 of medical payments per person. In one crash the insured driver incurs $12,500 of medical bills and a passenger incurs $4,000. Part B pays:
a.$16,500, the total of both persons' bills
b.$14,000, capping the driver at his own limit
c.$20,000, two persons at the stated limit
d.$10,000, the per-person limit for the crash
Explanation
The medical payments limit applies separately to each injured person, so the driver's $12,500 is trimmed to $10,000 while the passenger's $4,000 is paid in full, giving $14,000. Paying both bills as billed ignores the per-person limit, and there is no accident cap here that would reduce the total further.
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