Karol has a personal umbrella policy with a $1 million dollar limit. The self-insured retention is $250. Karol also has an auto insurance policy and a homeowners policy with no special endorsements. Her policies have the following limits: - Homeowners policy: $300,000 - Personal auto policy: 250/500/50 Indicate the amount, if any, that would be paid by Karols umbrella policy for each of the following losses. If a portion of the damages will be paid by the underlying policy, indicate the amount payable by the underlying policy and any amount covered by the umbrella policy. (6 points)

a. Karols dog bites a small child. Karol is sued and the childs parents are awarded $25,000 in damages.

b. Karol was distracted while driving and struck a school bus after she ran a red light. Two children were severely injured. A court awards each child $350,000 in damages.

c. Karol is a volunteer for a local charity. While being interviewed on TV with other guests, Karol called one of the other guests a bag lady. The guest sues Karol for defamation of character and the court awards the guest damages of $25,000.