Assuming liability coverage of 50/100/50, how much will Kelly pay out of pocket after injuring five passengers?

In a liability coverage scenario of 50/100/50, the numbers denote the maximum payment limits for different types of bodily injury and property damage claims. Let's break down what these numbers mean:

• The first number (50) indicates the maximum amount that will be paid for bodily injury per person injured in the accident – in this case, $50,000.
• The second number (100) represents the maximum total amount that will be paid for all bodily injuries resulting from a single accident, which totals $100,000.

• The third number (50) signifies the maximum limit for property damage, which is $50,000.

In the situation described, Kelly injures five passengers. The total liability coverage for bodily injury allows for a maximum payout of $100,000 for all injured passengers combined, with no single person receiving more than $50,000.

Assuming each injured passenger claims the maximum allowable amount under the policy, if they collectively claim $100,000 for their injuries, this means the entire policy limit is used, and Kelly does not pay out of pocket for these claims, as they fall under the coverage.

However, if the total claims exceed Kelly's liability coverage, Kelly would be responsible for the amount beyond those