John once in a while borrows the car of his friend, Sophie. Sophie has the car insured for $100,000 of liability insurance under a personal auto policy (PAP). John is also a covered person under his mother's PAP which provides $200,000 of liability insurance. If John has an accident while using Sophie's car and is found to be legally liable in the amount of $250,000, how much will be paid by each policy?

Group of answer choices

A) The mother's policy will pay $250,000.

B) Sophie's policy will pay nothing, and the mother's policy will pay $200,000.

C) Sophie's policy will pay $100,000, and the mother's policy will pay nothing.

D) Sophie's policy will pay $100,000, and the mother's policy will pay $150,000.