Adam has the following limits of coverage:

Part A-- 50/100/25

Part B-- $1,000 per person

Part C-- $50,000

Collision and Other-Than-Collision coverages, each with $500 deductible, on his 2015 Lincoln MKZ which has an ACV of $15,000:

1. Adam injures two other people in an accident that is judged to be his fault. One of the people has $75,000 in damages, and the other has $40,000. Adam suffers $10,000 of his own medical expenses? The insurance company spends $10,000 to defend Adam. Explain how much the insurance company will pay for these losses under which coverages?

2. Adam is rear-ended by a driver who speeds away unidentified. He suffers $10,000 in medical expenses and his car is totaled. Explain how much his insurer will pay for each of these losses under which coverages?