37 of 50 Opal has a Personal Auto Policy with Underinsured Motorists limits of 100 000 per person 300 000 per accident Opal is hit by a vehicle and suffers 250 000 in bodily injury The at fault vehicle has Liability Coverage with a 100 000 combined single limit How much can Opal receive from her UIM Coverage if her policy has a damages offset Opal s UIM coverage will pay damages in excess of the at fault party s limits up to her 300 000 per accident limit Opal s UIM coverage will pay damages in excess of the at fault party s limits up to her 100 000 per person limit Opal s policy will not pay anything since the at fault party has Liability Coverage Opal s UIM will not pay because her 100 000 per person limit will be reduced by their 100 000 CSL limit For 2 points