Assume that in 2017, Nigel is driving his car on a foggy night and the car collides with a deer in the road. As a result, Nigel incurs medical expenses of $1,000, and his friend, Bill, who is riding with him, incurs medical expenses of $2,000. The front bumper of the car also sustains damage of $1,500. If Nigel files a claim for these items under his personal auto policy (PAP), what amount will the policy pay? (5 points)