Tom is driving for pizza delivery, and his friend Mary who not does work for the pizza company is his passenger. In an auto accident both Tom and Mary are injured in Minnesota. The negligent driver has only the required liability insurance limits. Discuss what Auto Insurance and Workers Compensation will pay, and what the insurance company may be able to recover. Tom's medical expenses are $50,000 and Mary's medical expenses are $40,000. Each has $10,000 wage loss. Mary and Tom each have pain & suffering, non-monetary damages of $100,000 Tom and Mary each have their own personal auto policy with only the required/mandated coverages The accident was the other driver's fault, and he has his own personal auto policy with only the required/mandated coverages the coverages and limits required under Minnesota law.

What claims will be made and paid and by whom, what subrogation action is permitted?