Assume that Zabine Telan owns a PAP similar to the one discussed in chapter 12 and reproduced in Appendix A on page 379. Zabines policy has the following limits:

Part A = $50,000 bodily injury each person; $100,000 bodily injury each accident; $50,000 property damage each accident

Part B = $5,000

Part C = $50,000 each person; $100,000 each accident

Part D = $1,000 deductible for collision; $500 deductible for other than collision

Assume that each of the events described in the following situations are distinct. The actual cash value of Zabines car is $23,000. The goal is to calculate the amount Zabines insurer will pay in total (i.e., net after any deductible that Zabine must pay).

1. Distracted while driving, Zabine slammed into a van. The van was occupied by two people (driver and passenger). The van was traveling down the highway and the accident was Zabines fault. After a successful lawsuit, the van driver was awarded $50,000 in damages for personal injuries and $22,000 in property damage to the van. The van passenger was awarded $65,000 in damages for personal injuries. To defend Zabine in court, the lawyers charged $15000.
2. Fill in the yellow spaces.

3. Bodily injury liability
   Property damage liability
   Lawsuit defense
   Insurance liability limit
   Kirbys insurer will pay