4. While driving on a residential road YOU became distracted. You rear-ended the minivan in front of youand a few passengers in both your car and the minivan are injured. Your automobile insurance policy contains the policy limits of 25/50/25. You are deemed at fault in the accident. The minivan driver has filed a personal liability claim of $50,000 for medical injuries related to the accident (for all the passengers in their car) and property damage claim of $35,000 (for damages to their car) against your auto insurance.

4a) How much of the claim will be covered under your insurance policy?

4b) What would happen if you did NOT have enough coverage?