What is the per-accident limit for bodily injury when two or more people are injured?

What is the per-accident limit for bodily injury when two or more people are injured?

• A. $60,000 per person
• B. $30,000 per person
• C. $60,000 per accident for two or more
• D. $25,000 per accident for property damage

Answer: (C)

Bodily injury liability has two kinds of limits: a limit per person and a limit per accident. When two or more people are injured in the same wreck, the total payout for bodily injury cannot exceed the per-accident limit. In Texas minimums, that per-accident limit is $60,000 for bodily injury across all injured in one accident, while the per-person limit is $30,000. So the correct understanding is that the total bodily injury payments in an accident with multiple injured cannot exceed $60,000. For example, if two people are injured and claim $40,000 and $25,000 respectively, the insurer would pay up to $60,000 total, and any amount beyond that would be the insured’s responsibility. The per-person limit would only cap payments to an individual if only one person were injured, and the property damage limit is a separate category that does not affect bodily injury.

Bodily injury liability has two kinds of limits: a limit per person and a limit per accident. When two or more people are injured in the same wreck, the total payout for bodily injury cannot exceed the per-accident limit. In Texas minimums, that per-accident limit is $60,000 for bodily injury across all injured in one accident, while the per-person limit is $30,000. So the correct understanding is that the total bodily injury payments in an accident with multiple injured cannot exceed $60,000. For example, if two people are injured and claim $40,000 and $25,000 respectively, the insurer would pay up to $60,000 total, and any amount beyond that would be the insured’s responsibility. The per-person limit would only cap payments to an individual if only one person were injured, and the property damage limit is a separate category that does not affect bodily injury.