New York Independent Adjuster, Motor Vehicle No‑Fault and Workers’ Compensation Health Services Adjuster (Series 17-72) Practice Test

To arrive at the total bodily injury payment claimed by Sue Trent and her passenger Scott Finley, it's essential to consider the individual claims made by both parties. In scenarios involving bodily injury claims, each claimant’s injuries and associated costs are typically assessed separately before being combined to determine the total payout sought from the insurance company.

In this case, if Sue Trent has a claim amounting to a specific figure and her passenger Scott Finley has submitted a different but related claim, adding these amounts together would yield the total payment being sought. The correct choice of $21,000 reflects this combined assessment of their respective claims, accounting for the overall total injured parties are requesting under their insurance coverages.

A clear understanding of the workings of bodily injury claims within the purview of New York’s insurance regulations can help clarify similar situations where multiple parties are involved, allowing for comprehensive evaluations of bodily injury payments in the future.