意外责任险第 446 / 531 题
A business carries $1,000,000 of primary general liability and a $5,000,000 umbrella. A jury returns a $3,500,000 verdict on a claim both policies cover. How is the verdict funded?
a.$1,000,000 primary, the remainder uninsured
b.$1,750,000 from each, shared equally
c.$1,000,000 primary and $2,500,000 umbrella
d.$3,500,000 from the umbrella, primary untouched
解析
An umbrella sits above scheduled underlying policies and pays only after the underlying limit is exhausted, so the primary contributes its $1,000,000 and the umbrella pays the remaining $2,500,000 out of its $5,000,000. It does not respond first while the primary sits untouched, and it is not a pro rata sharing arrangement with the primary. Because the umbrella limit far exceeds the shortfall, none of this verdict is left uninsured.
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