In the opening scene in Bridge of Spies, insurance attorney James Donovan is arguing with counsel for plaintiffs in an auto crash case. The case involves a driver of a car (insured by Donovan’s client) that hit four motorcyclists. The plaintiff is arguing that that was four separate collisions, hence four separate incidents. Donovan argues one incident - one accident that just injured four people. Since the insurance is capped “per incident”, this makes a difference in the size of the settlement.
Since I am not a law-talkin’ guy, I wonder - what IS the law in this case? Does it vary in different states?