James, age 18, lives at home and occasionally drives the car of his friend, Mary. Mary carries $300,000 of liability insurance on her car under a PAP. James is also insured under his mother’s PAP, which provides $500,000 of liability coverage. Assume that James has an accident while using Mary’s car and is found to be legally liable in the amount of $400,000. How much, if any, will each policy pay? Explain your answer.