Greg and Angela Hibbard are husband and wife and live in Richardson Texas. They own their home. They have two cars, a 2017 Honda Accord (Blue Book value $17,000) and a 2015 Honda Pilot (Blue Book value $12,000). Greg is a CPA and is self-employed. He operates his business from his home. Angela is a professor of economics at UT Dallas. They have a daughter, Chelsea, who is 20 years old and is a full time student at the University of Oklahoma. She lives in the dorm. They have a son, Barry, who is 17 and lives at home. They have a PAP with Allstate that insured both vehicles. The PAP provides the following coverages:

Coverage A: 50/100/25

Coverage B: $5,000/person

Coverage C: 50/100/25

Coverage D: Other Than Collision--$500 deductible

Collision--$1,000deductible

They have an HO-3 with Allstate on the home as follows:

Coverage A $250,000

Coverage B$25,000

Coverage C$125,000

Coverage D $75,000

Coverage E$100,000

Coverage F$2,000/person

Deductible under Coverage A is 1%.

1.Barry asks his friend, Eduardo, if he can borrow his car as he has tickets to see the Stars play the Predators at the AA. Barry causes a rear end accident with a car driven by Malcolm. Malcolm is hurt and incurs medical expenses of $30,000 for his injury, lost wages of $7,000 and his car suffers $10,000 worth of damages. Eduardo also has a PAP issued by Allstate with the minimum limits required by law.

How much will Allstate pay Malcolm, if anything, under the Hibbard's policy to settle the claim?

How much will Allstate pay Malcom, if anything, under Eduardo's policy to settle the claim?