Sofia lives in the suburbs of a city and works in the city center. Every day she uses her bike to reach her office and then to return home because she has a valid driving license and there is no public transportation available near her house. One day, Sofia injured a child, 7-year old Frank, when she failed to stop at a red light. Frank broke both hands and also suffered a mild concussion. He spent a few weeks in a hospital. After the accident a court awards a liability judgment of 120,000 against Sofia. She has two third-party liability insurance policies covering losses occurred while riding a bike. The first policy (insurer ABC) is a special bike insurance with a liability limit of 50,000, the second one is a private liability insurance in a homeowners insurance package with a liability limit of 100,000 (insurer XYZ). How much, if any, will each of Sofias insurer pay, if she has the following provisions?

1-Contribution by equal shares.

2-Primary (insurer XYZ) and excess (insurer ABC) insurance