please help due soon

3. How much would a home owner receive with actual cash-value coverage and with replacement cost coverage for a 3-year-old sofa destroyed by a fire? The sofa would cost $1,000 to replace today, whereas it cost $8503 years ago, and it has an estimated life of 6 years. Larry Simmons has split-limit 100/300/50 automobile liability insurance. Several months ago Larry was in an accident in which he was found to be at fault. Four passengers were seriously injured in the accident and were awarded $100,000 each because of Larry's negligence. How much of this judgment will Larry's insurance policy cover? What amount will Larry have to pay out of pocket