Drop Down #1

$0 - $15,000 - $30,000 - $32,634

Drop Down #2

are covered under Part C - are not covered by his policy - -are covered under Part A

9. Computing your liability - An auto insurance example What are the possible consequences of your automobile policy coverage choices? Many states mandate minimum limits for several insurance coverages, but these limits rarely provide sufficient protection for you as the insured or for others who may be affected by your actions and decisions. Many drivers have insufficient coverage-even though their limits exceed the state minimum. Consider the consequences of Raphael's insurance coverage decisions below. Raphael has a Personal Automobile Policy (PAP) that provides liability coverage with limits of $15/30/15, no medical payment insurance, and uninsured and underinsured motorist coverage with limits of $50/100. He has collision and comprehensive coverage, both of which have a $100 deductible. Suppose one day Raphael fails to notice a red light, causing him to blindside another car crossing the intersection. Fortunately, he is not badly injured, but the medical bill for his hospital examination nonetheless amounts to $624. The driver of the other car, a woman named Susan, suffered severe injuries from the direct impact of the accident, requiring an initial surgery, an extended hospital stay, and additional physical therapy procedures for several subsequent months. The total of her medical bills, plus compensation for being unable to work for nearly a month, totaled $32,634. Susan's insurance company successfully filed claim against Raphael by exercising subrogation rights. Coverage A of Raphael's plan will reimburse him for of Susan's medical bills. Raphael's medical bills