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Ken and Beverly Austin's Auto Insurance Full coverage of the Austin auto includes: Bodily injury for one person $10,000 Bodily injury for all persons $25,000
Ken and Beverly Austin's Auto Insurance | ||
Full coverage of the Austin auto includes: | ||
Bodily injury for one person | $10,000 | |
Bodily injury for all persons | $25,000 | |
Property damage | $5,000 Each Vehicle | |
Uninsured motorist | $100,000 | |
Deductibles are: | ||
Comprehensive | $250 Deductible | |
Collision | $250 Deductible | |
This insruance includes medical payments, car rentals, and towing | ||
Cost of the auto insurance per year | $1,000 | |
Personal Automobile Policy Coverages (PAP) | ||
Part A: Liability Coverage | ||
Part B: Medical Payments coverage | ||
Part C: Uninsured Motorist coverage | ||
Part D: Coverage for Damage to Your Auto | ||
Part E: Duties After an Accident or Loss | ||
Part F: General Provisions | ||
Split limits are often written as 50/1000/25 | ||
The first number is Bodily Injury for one person. For example $50,000. The second number represents per occurrence bodily injury limit for all bodily injuries. If this limit wee $100,000 the insurer would pay up to $100,000 for all bodily injuries sustained in one accident, regardless of the number of persons injured. The third number represents the property damage limit it specifies the most the insurer will pay for all property damage caused by the accident. For example, $25,000. | ||
1. While Beverly's car was parked in a parking lot next to a playground, a young student missed a ball being thrown, and it dented the hood of Beverley's car. The damage was estimated to cost $1,840 to repair. How much will the insurance pay? | ||
????? | ||
2. A large pigeon collided into the windshield of the Austin's automobile causing $800 of damages while they were driving to the lake. How much will Ken's insurance company pay to have his windshield repaired from the collision with the pigeon? | ||
????? | ||
3. Ken is injured in an auto accident, will his own auto policy pay for his medical injuries? | ||
? | ||
4.Janet, a friend of the Ken and Beverly Austin, lives in Nebraska, where she carries the state-mandated minimum liability insurance for her auto of 10/25/20 through her personal automobile policy (PAP). She is driving through Texas and has an auto accident. Texas requires minimum liability insurance of 25/50/20. Janet injures Sarah in an amount that equals $30,000 and Sarah's auto in the amount of $15,000. How much will Sarah collect from Janet's PAP? | ||
?????? | ||
Janet's PAP will pay: ????? | ||
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