Question: Elisa has a PAP with the minimum limits required in Louisiana. She is involved in an accident that injures Sammie, the driver in the other

Elisa has a PAP with the minimum limits required in Louisiana. She is involved in an accident that injures Sammie, the driver in the other car. Sammie sues Elisa's insurer for $13,000 in medical bills from the accident and wins. The next year Sammie sues the insurer for another $5,000. Elisa and her insurer both think this is suspicious because it is a totally unrelated injury to his original injury. The insurer decides not to fight the suit and pays Sammie $2,000. Which of the following would happen next if Sammie continues to say he needs another $3,000?

A- The insurer will pay the claim if Sammie wins in court

B- The insurer will defend Elisa against having to pay the $3,000 but will not pay it because Elisa's per person bodily injury limits have been exhausted

C- The insurer will not defend Elisa or pay the $3,000 because Elisa's per person bodily injury limits were exhausted

D- Elisa will not have to pay any money to Sammie even if he wins because she used all of her insurance and was carrying the legally required amount.

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