12. Pat and Matt are fraternity brothers who frequently drive each other's cars. Their automo- biles are insured as follows: Insured Insurance Company Amount Pat XYZ Co. 25/50/10 Matt All Auto 100/300/25 Pat is negligent while driving Matt's car and has an accident, and the bodily injury loss to the other party involved in the accident is $30,000. Which insurer will pay, and how much will be paid