Pam Murray has 100/250/100 vehicle insurance. She has a $0 deductible on comprehensive and a $1,000 deductible on collision. Pam had an at-fault crash into another vehicle (she was distracted while using her cell phone). Tom and Rodney, the driver and passenger in the other vehicle, were injured. Tom's medical expenses were $155,400 and Rodney's medical expenses were $48,690. Their car required $15,810 to repair. Pam's vehicle had $16,450 in damages but she had no injuries. How much will the insurance company be responsible for paying and to whom?