Does a Loss of Consortium Claim apply to the “Per Person” or “Per Claim” Policy Limit?

Woodland Hills personal injury attorney often has the unenviable task of explaining to clients that the courts recognize a spouse’s “loss of consortium” claim as a separate and independent tort.  However, for insurance purposes, a loss of consortium claim is considered “derivative.”  Therefore, under California Insurance Law, the “Per Person” limit applies—- not the “Per…