Ashley Diamond of Estes Park, Colorado, drives an eight-year-old Toyota valued at $5,600. She has a...

 

 

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Ashley Diamond of Estes Park, Colorado, drives an eight-year-old Toyota valued at $5,600. She has a $75,000 personal automobile policy with S10,000 per-person medical payments coverage and both colli- sion ($200 deductible) and comprehensive coverage. David Smith of Loveland, Colorado, drives a four-year- old Chevrolet Malibu valued at $9,500. He has a 25/50/15 family automobile policy with $20,000 in medical payments coverage and both collision (S100 deductible) and comprehensive insurance. Late one cvening, while he was driving back from Rocky Mountain National Park, David's car crossed the centerline of the road, striking Ashley's car and forcing it into a ditch. David's 's car also left the road and did extensive damage to the front of a roadside store. The following table indicates the damages and their dollar amounts. DO IT IN CLASS Page 319 Amount Item Bodily injuries suffered by Ashley Bodily injuries suffered by Fran, a passenger in Ashley's car Ashley's car Bodily injuries suffered by David Bodily injuries suffered by Cecilia, a passenger in David's car David's car $6,800 28,634 9,600 2,700 12,845 9,500 14,123 Damage to the roadside store Complete the following chart and use the information to answer these questions: (a) How much will Ashley's policy pay Ashley and Fran? (b) Will subrogation rights come into play? In what way? (c) How much will David's bodily injury liabilityA protection pay? (d) To whom and how much will David's property damage liability protection pay? Ashley Diamond of Estes Park, Colorado, drives an eight-year-old Toyota valued at $5,600. She has a $75,000 personal automobile policy with S10,000 per-person medical payments coverage and both colli- sion ($200 deductible) and comprehensive coverage. David Smith of Loveland, Colorado, drives a four-year- old Chevrolet Malibu valued at $9,500. He has a 25/50/15 family automobile policy with $20,000 in medical payments coverage and both collision (S100 deductible) and comprehensive insurance. Late one cvening, while he was driving back from Rocky Mountain National Park, David's car crossed the centerline of the road, striking Ashley's car and forcing it into a ditch. David's 's car also left the road and did extensive damage to the front of a roadside store. The following table indicates the damages and their dollar amounts. DO IT IN CLASS Page 319 Amount Item Bodily injuries suffered by Ashley Bodily injuries suffered by Fran, a passenger in Ashley's car Ashley's car Bodily injuries suffered by David Bodily injuries suffered by Cecilia, a passenger in David's car David's car $6,800 28,634 9,600 2,700 12,845 9,500 14,123 Damage to the roadside store Complete the following chart and use the information to answer these questions: (a) How much will Ashley's policy pay Ashley and Fran? (b) Will subrogation rights come into play? In what way? (c) How much will David's bodily injury liabilityA protection pay? (d) To whom and how much will David's property damage liability protection pay?

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