You rear-end another driver at a stoplight because you are talking on a mobile phone and don’t see the light change. Your hefty SUV has about

\($600\) in damage to the front bumper, but the sports car you hit is so seriously damaged that the cost of the repairs ($18,000) exceeds the value of the car ($17,000). Also, the other driver suffers a neck injury, which may have long-term consequences. You have a PAP with limits of 50/100/15 and a collision deductible of \($250\). What coverages apply, and how?