Problem
Nora is driving with her thirteen year-old daughter, Amanda, on a snowy road on February 4, 20x0, when the car skids and hits a utility pole. Amanda has a broken tooth, and she is treated by a dentist immediately after the accident. The dentist caps the tooth, and the bill is $2,350. On June 16, 20x4, after her high school graduation, Amanda has a replacement cap put on the broken tooth because her teeth have grown since the accident. The bill for the replacement cap is $3,000. Nora had a PAP with $5,000 medical payments coverage per person.
• Would Amanda's dental treatment be covered under Nora's PAP? If, how much would the insurer pay?