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 a 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 Raphael's car was relatively unharmed by the collision but required 800 in minor repairs. Susan's car was destroyed, making Raphael liable for paying the $9,300 replacement value. Susan's car was pushed up onto a nearby sidewalk on impact, destroying a nearby lawn and causing additional damage to a parked car. This damage totaled $7,254. Raphael's liability coverage also will reimburse him for up to $15,000 worth of property damage. Therefore, he is responsible for paying $1,554 out-of-pocket in property liability damages. Which of the following is true regarding the damage to his own car? It is not covered under his policy. It will be reimbursed fully, minus the $100 deductible. It will be reimbursed up to the difference between his liability coverage and the damage to other property