Bill Buckely has split-limit 100/200/40 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 $30,796, $9,578, and $15,447 respectively. How much will Bil's insurance company pay? How much will Bill be required to pay directly? Bill's insurance company will pay $ (Round to the nearest dollar.) The amount Bill will be required to pay directly is $ . (Round to the nearest dollar.)