An insured has $5,000 of medical coverage in a personal auto policy. After an accident, what is the maximum amount the policy will pay for medical claims?

In the context of a personal auto policy, the medical coverage portion is designed to help pay for medical expenses resulting from an auto accident, regardless of fault. The insured has $5,000 in medical coverage, which represents the maximum amount available for medical claims per person involved in the accident, not per accident.

Therefore, if the insured were to submit claims related to multiple individuals' medical expenses from a single accident, the total amount payable would depend on the number of claims submitted up to that $5,000 limit for each individual. However, since the question specifically asks for the maximum amount the policy will pay for medical claims after an accident, the option indicating a specific figure like $5,000 maximum for the accident accurately reflects that the coverage does not aggregate across multiple persons for a single incident.

This means that each individual insures can only receive up to the coverage limit of $5,000 for their medical expenses without deductibles factoring in. Hence, the correct interpretation of the policy provides clarity on how the limit applies, confirming that the limit is adjusted based on the situation rather than a fixed amount like $14,000 or $15,000, which are not reflective of typical coverage limits available in auto policies.