Zachary Lee has a personal automobile policy $($PAP$)$ with coverage of $$15,000/$$$30,000$ for bodily injury liability, $$15,000$ for property damage liability, $$3,000$ for medical payments, and a $$500$ deductible for collision insurance. How much will his insurance cover in each of the following situations? Will he have any out$-$of$-$pocket costs? Round your answer to the whole dollar, if necessary. Leave no cells blank, be sure to enter $"0"$ wherever required.

Zachary loses control and skids on ice, running into a parked car and causing $$4,075$ damage to the unoccupied vehicle and $$2,850$ damage to his own car.

Total paid by the insurance company $

Zachary's out$-$of$-$pocket costs $

Zachary runs a stop sign and causes a serious auto accident, badly injuring two people. The injured parties win lawsuits against him for $$34,000$ each.

Total paid by the insurance company $

Zachary's out$-$of$-$pocket costs $($for both victims$)$ $

Zachary's $18-$year$-$old son borrows his car. He backs into a telephone pole and causes $$475$ damage to the car.

Total paid by the insurance company $

Zachary's out$-$of$-$pocket costs $