Fred has limits of liability of 25/50/25 for his auto insurance. Fred ran into Jane’s car, causing $15,000 worth of damage to her Lexus and injuring Jane, whose medical bills were $12,000. Jane sued Fred for an additional $100,000 for mental anguish and pain and suffering to boot. Although the case never went to trial, it still generated legal defense expenses of $20,000. After the lawyers finished negotiating the terms of the settlement, Fred was found to be legally liable for the $12,000 of medical bills and for $35,000 of Jane's pain and suffering, along with the full amount of the property damage to her car. How much of these total costs will Fred’s insurance company pay and how much is Fred responsible for?