Bill has a Personal Auto Policy with an Uninsured Motorists/Underinsured Motorists (UM/UIM) limit of $250,000 in a state where the Financial Responsibility Limit is $75,000. Bill is involved in an accident with Jane. Jane's auto policy has a Bodily Injury Limit of $75,000 and she is responsible for the damage to Bill. The court awards Bill a judgment of $200,000 for bodily injuries. How much does Bill recover from his UM or UIM coverage?

a. $125,000 paid by UIM

b. $125,000 paid by UM

c. $200,000 paid by UIM

d. $200,000 paid by UIM

e. No coverage under UM or UIM.