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an individual has homeowners insurance that covers up to $400,000, a personal auto insurance that covers up to $100,000 and an umbrella policy that covers up to $1,000,0000. an accident occurred in the person’s front yard in which a child was trying to catch a baseball and wanted to avoid the car and was hit in the face with the ball. the child was concussed and had a broken jaw from the ball and his medical expenses added up to $500,000. what is covered from insurance?

Respuesta :

michell96

The $500,000 from medical expenses should be completely covered, $400,000 should be covered by the homeowners insurance and the remaining $100,000 should be covered by the umbrella policy.

Insurance covers expenses related to specific accidents or situations. In the case of homeowners insurance this covers:

  • Damages to your house or property
  • Medical expenses if an accident occurs on your property

On the other hand, car insurance covers:

  • Damages to your car
  • Medical expenses due to car accidents

Finally, the umbrella policy will cover the expenses if these exceed the limit of other insurances.

This means, in the case of an accident with a kid that was trying to avoid the car:

  • The homeowner's insurance should cover most of the expenses. This is $400,000 as this accident is related to an accident that occurred on the property, not a car accident.
  • The umbrella policy should cover the remaining expenses or $100,000.

Learn more: https://brainly.com/question/989296

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