John occasionally borrows the car of his friend, Sophie. Sophie has the car insured for $300,000 of liability insurance under a PAP. John is

also a covered person under his mothers PAP which provides $500,000 of liability insurance. If john has an accident while using Sophies car and is found to be legally liable in the amount of $400.000 , how much will be paid by each policy?

1. Sophies policy will pay $150000 and mothers policy will pay $250,000
2. Sophies policy will pay $300,000 and mothers policy will pay nothing
3. Sophies policy will pay $300,000 and mothers policy will pay $100,000
4. The mothers policy will pay the entire judgment.