Ben has split-limit 50/100/20 automobile liability insurance on his 2012 Subaru. Driving home from work in a snowstorm, he hit a Mercedes, slid into a guardrail, and knocked down a telephone pole. Damages to the Mercedes, the guardrail, and the telephone pole were $15,742; $4,425; and $6,431 respectively. How much will Benz insurance company pay? How much will Ben be required to pay directly?

Bens insurance company will pay $__ Ben will be directly required to pay $__