John and Marcia are on a winter vacation with their three children. Their sons, Neil and Henry, rent snowmobiles and participate in an unofficial snowmobile race with some of the other teenagers staying at the same lodge. Henry hits a fence with the snowmobile he is driving. Fortunately, Henry is not injured, but he causes $3,200 in damage to the fence. While their sons are on snowmobiles, John drives to the ski area with Marcia and their daughter, Lauren. As they are rounding the curve of a mountain road, a vehicle driven by Alex crosses the center line and hits their van. The van goes over the side of the road. John, Marcia and Lauren are all injured and taken to the hospital by ambulance. John, Marcia and Lauren sue Alex for $250,000 for John, $100,000 for Marcia and $300,000 for Lauren a total of $650,000. They agree to settle for $500,000. John has a PAP with a snowmobile endorsement that has a limit of liability of $50,000. Alex has a PAP with a $500,000 limit of liability for each occurrence.

What losses will be covered by Johns and Alexs PAP policies and in what amounts? (3 points)