What is the maximum amount Candy's personal auto policy will pay for medical payments expenses resulting from two separate accidents, given her medical payments limit?

In personal auto policies, medical payments coverage is designed to cover medical expenses for injuries sustained by the driver and passengers in the insured vehicle, regardless of fault. When injuries occur during multiple accidents, the coverage limit is typically applied per accident, meaning that each separate accident can qualify for reimbursement up to the policy's designated limit.

If Candy's medical payments limit is set at $3,500, then for two separate accidents, the total amount that the auto policy would pay out for medical payments would be capped at that amount for each accident. This means that if both accidents occur, the maximum total payment Candy could receive from her auto policy for medical expenses would indeed be $3,500 for each accident, leading to a combined maximum of $7,000 only if each accident has its own qualifying expenses. However, for the purpose of a single accident scenario, the limit would specifically pertain to one incident.

In this context, considering the options provided, an interpretation of coverage limits that effectively applies to one incident confirms that the payment limit for Candy, given her stated medical payments limit, aligns with $3,500. Thus, it emphasizes the importance of understanding policy limits and how they interact with multiple incidents.