The per occurrence sublimit caps the total payments for all claims arising from a single accident. Which choice best describes this concept?

• A. Total of all claims from a single accident
• B. Per claim amount
• C. Annual aggregate
• D. Medical payments limit

Answer: (A)

A per occurrence sublimit defines the cap on total payments for all claims arising from one accident. This means that, even if multiple claims are filed from that single incident, the insurer will pay no more than the sublimit amount for the combined claims. Any costs exceeding that sublimit would not be paid under this portion of the coverage.

This matches the idea of summing all claims from one accident into one overall limit. It differs from a limit that caps each individual claim (that would be a per-claim amount), and from an annual or policy-period aggregate (which caps all claims across the entire year or term). It also isn’t limited to medical expenses unless the sublimit is specifically tied to medical payments, which would be a separate, distinct limit.