Alabama Insurance Adjuster Practice Exam

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What type of insurance coverage limits did Kelly have after the accident?

  1. 25/50/25

  2. 50/100/50

  3. 100/300/100

  4. 75/150/75

The correct answer is: 50/100/50

The choice of 50/100/50 indicates that Kelly had liability insurance coverage limits wherein she was insured for $50,000 for bodily injury per person, $100,000 for total bodily injury per accident, and $50,000 for property damage per accident. This configuration is typical for many auto insurance policies and is designed to cover the costs associated with damages and injuries that Kelly might cause to others in an accident. The structure of these limits reflects a middle ground that offers a balance between affordability and adequate protection, making it common for many drivers. In the context of assessing insurance coverage after an accident, these limits would play a crucial role in determining how claims would be handled and what expenses might be covered. This coverage would adequately handle medical expenses and property repairs arising from an incident while conferring a reasonable degree of financial protection to Kelly.

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