Mark was driving through a local park when he became distracted and struck a parked vehicle. Mark's vehicle sustained $4,200 in damage. The parked vehicle, owned by Nathan, sustained $5,000 in damage and was pushed into another parked vehicle, resulting in $2,100 in damage to that vehicle. Two occupants of the first parked vehicle were seriously injured. One of these occupants, Nathan, incurred $24,000 in medical expenses. The other occupant, Denise, incurred $6, 700 in medical expenses. Mark was held responsible for the accident. The state where Mark lives does not have a no-fault insurance law.
Mark has a Personal Auto Policy (PAP) with these coverages and limits:
Part A-Liability Coverage: $100,000 per person/$300,000 per accident
Property Damage: $25,000.
Part B-Medical Payments: $5,000 per person
Part D-Damage to Your Auto: $500 deductible –OTC $1 ,000 deductible – Collision
questions:
a. How would Mark's policy respond for the injuries and damage to Nathan's vehicle?
b. How would Mark's policy respond for the damages to the second parked vehicle?
c. How would Mark's policy respond for the damage to his vehicle in this accident?