Personal Auto PolicyPregunta 376 de 474
A driver with 100/300/50 limits is at fault. One person's injuries are valued at $150,000, a second person's at $80,000, and a car is damaged to the extent of $12,000. Part A pays:
a.$112,000, one person and the car
b.$192,000, the injuries and car
c.$180,000, the injuries only
d.$242,000, the claims and the car
Explicación
The per-person cap trims the $150,000 claim to $100,000, while the second person is paid $80,000 in full; $100,000 + $80,000 = $180,000, which fits inside the $300,000 per-accident limit. Property damage draws on its own $50,000 limit, so the $12,000 car is paid entirely, and $180,000 + $12,000 = $192,000. The $242,000 figure comes from ignoring the per-person cap altogether.
Practica las 474 preguntas gratis — sin registro.
Own the complete Personal Lines Insurance Producer guide — PDF + EPUB, $19.99 →
Preguntas relacionadas de este tema
- A resident son borrows a classmate's car with permission and injures a cyclist. Under his parent's personal auto policy, Part A liability coverage:
- The duty to defend under Part A of the personal auto policy means the insurer:
- An insured with a $100,000 per-person bodily injury limit is sued, a $100,000 judgment is entered, and the insurer spent $30,000 defending the case. In total the insurer pays:
- With 100/300/50 limits, an at-fault insured injures four people whose claims are valued at $90,000, $120,000, $150,000 and $60,000. Part A bodily injury pays:
- An insured with 100/300/50 limits runs off the road and destroys a $65,000 car and a $10,000 fence. Part A property damage pays:
- A combined single limit differs from split limits because a combined single limit:
Última revisión: · proceso editorial
Equipo de PrepPass · Verificado con California Personal Lines Insurance License Exam · Cómo revisamos