Answer :
Answer:In this scenario, Stanley's auto insurance policy with liability coverage has limits of 20/40/15, which typically represent:
- $20,000 coverage per person for bodily injury
- $40,000 coverage per accident for bodily injury
- $15,000 coverage per accident for property damage
Given the damages incurred:
- Stanley's car: $2,500
- Other car: $16,000
- Stanley's bodily injuries: $13,250
- Other driver's bodily injuries: $23,000
Let's break down the coverage:
1. Property damage:
- Stanley's liability coverage for property damage is $15,000.
- Both Stanley's and the other car's damages total $18,500.
- Therefore, Stanley's insurance policy will cover the full property damage costs of both cars, which is $15,000.
2. Bodily injuries:
- Stanley's liability coverage for bodily injury per person is $20,000.
- Stanley's bodily injuries are $13,250, which is fully covered by his policy.
- The other driver's bodily injuries are $23,000, exceeding Stanley's coverage per person.
- Since Stanley's coverage per accident for bodily injury is $40,000, his policy will cover the other driver's bodily injuries up to this limit.
- Therefore, Stanley's insurance policy will cover $20,000 of the other driver's bodily injuries, leaving an additional $3,000 to be covered by other means.
In summary, Stanley's auto insurance policy will pay a total of $35,000 towards the damages incurred in the accident.
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