Can you explain and correct what i did wrong on part a please ?

16. Award: 1.25 out of 2.50 points Problem 8-7 (LO8.4) Kurt Simmons has 75/160/20 auto insurance coverage. One evening he lost control of his vehicle, hitting a parked car and damaging a storefront along the street. Damage to the parked car was $8,000, and damage to the store was $24,320. a. What amount will the insurance company pay for the damages? Insurance payment 32,320 b. What amount will Kurt have to pay? Personal liability $12,320