c. One of Brownwell's employees caused an accident that is covered under Brownwell's auto and umbrella policies. However, Brownwell has not maintained the business auto policy. The injured arty has been awarded $800,000 in damages from Brownwell.

I'm having trouble with part c. Any help?

The Brownwell Company has an umbrella policy with a limit of $1 million and self-insured retention (SIR) of $10,000. It also carries a business auto policy with a limit of $500,000. What dollar amount will Brownwell's umbrella insurer be obligated to pay for each of the following claims? Explain your answer. a. One of Brownwell's employees caused an accident that is covered under both Brownwell's auto and umbrella policies. The injured party has been awarded $700,000 in damages from Brownwell. b. One of Brownwell's employees committed a personal injury offense that was not covered by any of Brownwell's primary liability policies but was covered by Brownwell's umbrella policy. Brownwell was held liable for $160,000 in damages because of the personal injury. c. One of Brownwell's employees caused an accident that is covered under Brownwell's auto and umbrella policies. However, Brownwell has not maintained the business auto policy. The injured arty has been awarded $800,000 in damages from Brownwell. a) Brownwell's umbrella policy will pay $200,000. After the business auto pays its limit of $500,000, the umbrella policy will pay the amount of the claim in excess of $500,000. Because primary coverage applies, the SIR is not applicable in this claim. b) Brownwell's umbrella policy will pay $150,000. In this case, the SIR is deducted from the amount of the claim because the claim was not covered by any of Brownwell's primary policies. c)