Sally has a Personal Auto Policy with basic PIP and $1,000 Med Pay.  She takes her friend Beckie with her on vacation to Texas.  Sally drives her own car.  In Texas a drunk runs a light and hits Sally and Beckie.

Both are hurt.  Sally has $4000.00 in medical bills and Beckie has $5,000 in medical bills.  What will Sally's policy pay in total from Med Pay and PIP?

a.  $2,000

b. $5,000

c. $7,200

d. $9,000

The correct answer is $5,000.

I am figuring that Sally gets 3200 from her PIP and then the balance of 800 from Med Pay.

Beckie gets  1000 from Sally's Med Pay which brings the figure to 5,000.

Is this correct?