-Ruth Lewis has a personal auto policy with coverage limits of 20/40/15. Ruth has collision coverage with a $250 deductible. She runs a red light and causes an auto accident in which three people are injured. Each of them sues her for $20900 in personal injury and $5000 for vehicle damage (there is no injury to Ruth or her car). How much will Ruth have to pay out of pocket, and how much will her insurer pay?

Ruth pays $0 and insurer pays $67700

Ruth pays $22950 and insurer pays 57450

Ruth pays $22700 and insurer pays $55000

Ruth pays $5000 and insurer pays $62700

- Margaret has a homeowners insurance policy. Her home was broken into, and $6800 worth of possessions were stolen. If her deductible is $2800, how much coverage will her insurance company pay for the loss?

$4000

$2800

$6800

$0

- If the market value of your home is $264000, but the replacement cost of the structure is $192000, how much homeowners insurance should you have?

$192000

$72000

$456000

$264000