1. I think would be three.
2. I think would be two
Answer: The maximum that the insured own liability will pay is $30,000
Explanation: in auto liability insurance policy 10 means that the insurance company can only pay a maximum of $10,000 for any liability incrrued by the insured. and 20 means that the insurance company can only pay a maximum of $20,000 for any liability incrrued by the insured. This means that the insured who has 10/20/10 is eligible to $40,000.
But because the driver was drunk, that means the accident was not a natural cause, but was due to drivers uncarefullnes, the insurance company will only pay a maximum of $10,000 for one person, and a maximum of $20,000 for the hospital bill of the two family members, which makes it a maximum total of $30,000 the insurance company can pay for their hospital bill.
This is in accordance of a principle of insurance called "proximity cause", it means that you must not deliberately cause a liability for an insurance company.
Put up informative posts warning others and giving statistics and facts about the current pandemic, ensure procedures are discussed and and the hotline is shared, posters and fliers are also a gud idea to ensure diversity, let them be up to date with the news frequently and make sure to practice the right procedures.
The answer to your question is Option B
