You just crashed into a car on the freeway and caused a 3 car accident (Your car, Car A, and Car B). You caused the following damages to your car and the other cars and passengers. You cause $25,000 in damage to your car. You also miss work and have lost wages of $3,000. Your injuries total $7,000. The person in Car A sustained severe bodily injury of $65,000. Car A, a luxury car, sustained damages of $50,000. Car B had 8 people inside who incurred injuries of $20,000 each. Car B, a large van, had damages of $15,000 in property damage. How much would your insurance pay? How much do you have to pay out of pocket because of this accident?

Personal Auto Policy Declarations POLICYHOLDER: Chris and Karen Swift (Named Insured) 8110 Lake Street Lincoln, Nebraska 68506 POLICY NUMBER: 296 S 468211 POLICY PERIOD: FROM: August 1, 20xx TO: February 1, 20xx But only if the required premium for this period has been paid, and for six-month renewal periods if renewal premiums are paid as required. Each period begins and ends at 12:01 A.M. standard time at the address of the policy holder. INSURED VEHICLES AND SCHEDULE OF COVERAGES VEHICLE COVERAGES LIMITS OF INSURANCE PREMIUM 1 ID #JT2AL21E8B3306553 SXXX.00 2010 Toyota Corolla Coverage A-Liability: Bodily Injury Liability Property Damage Liability Coverage B-Medical Payments Coverage C-Uninsured Motorists: Bodily Injury $25,000 Each Person $65,000 Each Accident $ 15,000 Each Accident $ 3,000 Each Person S XX.00 S XX.00 S XX.00 $25,000 Each Person $65,000 Each Accident TOTAL SXX.00 2 ID #1FABP30U7GG212619 2019 Ford Taurus Coverage A-Liability: Bodily Injury Liability SXXX.00 S XX.00 S XX.00 Property Damage Liability Coverage B-Medical Payments Coverage Uninsured Motorists: Bodily Injury Coverage D-Other Than Collision -Collision $25,000 Each Person $65,000 Each Accident $ 15,000 Each Accident $ 3,000 Each Person $25,000 Each Person $65,000 Each Accident Actual Cash Value Less $250 Actual Cash Value Less $500 $ XX.00 S XX.00 SXXX.CO TOTAL $XXX.00 POLICY FORM AND ENDORSEMENTS: COUNTERSIGNATURE DATE: AGENT: PP 00 01 01 05 July 1, 20XX Patrick Rojda Personal Auto Policy Declarations POLICYHOLDER: Chris and Karen Swift (Named Insured) 8110 Lake Street Lincoln, Nebraska 68506 POLICY NUMBER: 296 S 468211 POLICY PERIOD: FROM: August 1, 20xx TO: February 1, 20xx But only if the required premium for this period has been paid, and for six-month renewal periods if renewal premiums are paid as required. Each period begins and ends at 12:01 A.M. standard time at the address of the policy holder. INSURED VEHICLES AND SCHEDULE OF COVERAGES VEHICLE COVERAGES LIMITS OF INSURANCE PREMIUM 1 ID #JT2AL21E8B3306553 SXXX.00 2010 Toyota Corolla Coverage A-Liability: Bodily Injury Liability Property Damage Liability Coverage B-Medical Payments Coverage C-Uninsured Motorists: Bodily Injury $25,000 Each Person $65,000 Each Accident $ 15,000 Each Accident $ 3,000 Each Person S XX.00 S XX.00 S XX.00 $25,000 Each Person $65,000 Each Accident TOTAL SXX.00 2 ID #1FABP30U7GG212619 2019 Ford Taurus Coverage A-Liability: Bodily Injury Liability SXXX.00 S XX.00 S XX.00 Property Damage Liability Coverage B-Medical Payments Coverage Uninsured Motorists: Bodily Injury Coverage D-Other Than Collision -Collision $25,000 Each Person $65,000 Each Accident $ 15,000 Each Accident $ 3,000 Each Person $25,000 Each Person $65,000 Each Accident Actual Cash Value Less $250 Actual Cash Value Less $500 $ XX.00 S XX.00 SXXX.CO TOTAL $XXX.00 POLICY FORM AND ENDORSEMENTS: COUNTERSIGNATURE DATE: AGENT: PP 00 01 01 05 July 1, 20XX Patrick Rojda