How much will Roxanne have to pay out of pocket for the damages when Ben files a claim against her insurer?

The correct answer indicates that Roxanne will pay out of pocket $0 for the damages when Ben files a claim against her insurer. This likely occurs because Roxanne’s insurance policy covers the total amount of Ben's claim. Insurance policies typically include provisions that protect the policyholder from personal financial responsibility when their coverage limit is adequate to cover the damages.

In this scenario, it may be that Ben's claim falls within the coverage limits and terms of Roxanne's policy, meaning the insurer handles all financial obligations directly related to the damages, leaving Roxanne with no out-of-pocket expenses. Additionally, if there are no deductibles associated with the claim or if they are completely covered by the insurance, Roxanne would not incur any costs.

Understanding the specifics of coverage limits and how deductibles work is essential for adjusters, as they reflect the insurer's liability in compensating for damages without requiring contributions from the insured in certain situations.