Danny and Mary planned a trip to Niagara for the July long weekend. While driving to Niagara it began to rain and thunder, and Danny's car skid out of control and hit a man who was standing on the corner. The critically injured man sued Danny for damages and won. The court awarded the injured man $90,000 for his injuries and $14,000 in court costs and fees. Danny's maximum automobile insurance liability coverage is $100,000. How much will Danny's insurer pay and why (support your answer by referencing the O.A.P; auto policy)?