Some Questions I had

[Beach Bum]

Hey all, I had two questions that I jotted down yesterday during studying. I was hoping anyone could shed some light on the answers.

1: Dealing with Personal Auto Insurance - if you are driving and are involved in an accident that was your fault… for the people that get hurt in your car I know that your Medical Coverage will apply to them. However, can BI Liability also apply to people hurt in your car? Let’s say two people are hurt, one a family member and one a friend… since the family is considered an insured I doubt it but what about if the friend decides to go after you?

2: Dealing with Homeowners - With the 80% rule, the text states this is used for both Coverage A and Coverage B. Let’s say Coverage A’s limit is less than the 80% of replacement cost, I understand that the rule now states to take Max (ACV, or Ratio * Cost to Repair). My question is with Coverage B. Do you apply the test to B separately, or assume that the same ratio will apply to any damage to B whether or not it meets the criteria for below 80%...

That’s it for now, I will post more when I come across them. Thank you.