If Tom and Jane both have personal auto policies, what would be the total liability coverage available if they are sued?

In this scenario, the total liability coverage available if Tom and Jane are sued would be the combined limit of both policies. Liability coverage in personal auto policies typically acts as individual coverage for each policyholder rather than a sum of the two. Therefore, if Tom has a personal auto policy with a limit of $50,000 and Jane has a limit of $100,000, when determining total liability in a lawsuit, their policies would offer coverage individually rather than being added together.

Thus, the correct response reflects that only Jane's coverage, being the higher of the two, would be applicable in this situation. Tom’s policy would not contribute to a combined liability limit in the event of a lawsuit where both are sued together. Hence, the comprehensive view of their liability coverage considers only the higher individual limit, rendering the combined limit non-applicable in this context.