You just bought a car and a car insurance policy with the following limits $100,000/ $200,000/ $50,000. If you were at fault for an accident with a mini van with three passengers. Passenger #1 had $150,000 of medical bills, Passenger #2 had 75,000 of medical bills and Passenger #3 had 10,000 of medical expenses.

How much would you need to pay out of pocket if you did not have an umbrella policy?