Please answer the following two with steps to the reach the answer

1. Alberto has a standard unendorsed HO-3 contract with $100,000 of Liability Coverage. He is ordered by a judge to pay his neighbor $162,000 because of bodily injuries the neighbor suffered while he and Alberto were fishing in Alberto's old, undeclared 35 horse-power outboard motorboat. How will the contract respond? 2. Joe owns a house on which he carries a $400,000 HO-3 policy. The replacement cost of the house is $600,000. A fire loss occurs and badly damages an attached garage that has a replacement cost of $10,000. How much can Joe collect under his HO-3 policy