If the Medical Payments coverage limit is $8,000 and 4 people are injured, what is the maximum amount payable to each individual under a Personal Auto Policy?

In a Personal Auto Policy, Medical Payments coverage is designed to help cover medical expenses incurred by individuals injured in an accident, regardless of who is at fault. When the coverage limit is set at $8,000, this total amount is available to cover the medical expenses for all injured persons.

In this scenario, if there are 4 people injured and the total coverage limit is $8,000, it is essential to recognize that the coverage does not automatically divide the limit evenly among the injured parties. Instead, it is the total amount that can be disbursed to cover the medical expenses of all individuals.

If one person's medical expenses were $8,000, that person would receive the entire limit. However, if medical expenses for each of the four individuals can be covered within the total limit, the Medical Payments coverage can be paid according to the expenses incurred, but cannot exceed the total limit.

Therefore, while each person could, in theory, incur medical costs that allow for an average payout (if fairly distributed) of $2,000, this figure is merely illustrative of a potential individual payout if expenses are similar and well distributed. However, the overarching coverage limit remains $8,000, which applies to the total for all injuries combined