What does actual cash value mean?

The law requires that the signing of a will be witnessed in order to verify  

Kimberly Young has a personal auto policy with coverage limits of 20/40/15. Kimberly has collision coverage with a $250 deductible. She runs a red light and causes an auto accident involving three other cars in which three people are injured. Each of them sues her for $21,400 in personal injury and $5,000 for vehicle damage (there is no injury to Kimberly or damage to her car). How much will Kimberly have to pay out of pocket, and how much will her insurer pay? 

Sally Mander, age [age], is married and has 2 children.  She plans to retire at [retire].  She makes $[inc],000 per year.  Assume she spends $[tax],000 on taxes, $[ins],000 on life and health insurance and $[self],000 on self-maintenance.  Use a [rate]% discount rate and compute Sally’s human life value. Round your final answer to the nearest dollar.

Which of the following is the most appropriate investment for emergency funds?

If you are single when you die and the value of your adjusted gross estate after charitable deductions is less than the remaining federal unified credit exemption

You are buying a car and borrowing $[loan],000 to purchase it. The loan will be for [years] years, at [iyr]% interest.  What is the monthly payment on this loan? (Round to two decimal places)

How much does one discount point cost on a $120000 mortgage for a $200000 home? 

If Michael has a 32% chance of having his car stolen next year and the average loss of a stolen car is $11,000, then the expected cost of the loss to him would be 

Rosa graduated at the top of her high school class, and has set the following goal as part of her financial plan: “graduate from college with a B.S. in Business Management.” Which aspect of the SMART goal model is missing from her goal?