Karen's auto liability policy provides split limits of $50,000 per person for bodily injury, $100,000 per occurrence for bodily injury, and $25,000 per occurrence for property damage. David's auto liability policy has a single limit of $100,000 for all bodily injury and property damage in any one occurrence.

a.) Karen is at fault in an accident that causes bodily injury of $60,000 to the other driver, bodily injury of $10,000 to the other driver's passenger, and property damage of $30,000 to the foreign luxury sedan belonging to the other driver. How much, in total, will Karen's policy pay for this accident?

b.) Assume that David, instead of Karen, was involved in the accident described in (a) above. How much would David's auto policy pay?

c.) After David's insurer pays the claims in (b) above, a pedestrian sues David, alleging that he suffered bodily as a result of the same accident. Explain whether David's insurer will be obligated to defend this suit.

Did you know that Wisconsin has a Wrongful Death Act that could put you on the hook for as much as $500,000? Do you have enough insurance it happened to you? Click here for more information.

Email your answer to info@winnebagolandinsurance.com

Answers must be received via email.  The first two correct answers received via email will win a prize.  This months prize is a can cooler.  Prizes can be redeemed by visiting our Neenah Office.