Margo ran a stop sign and crashed into another car as they were crossing the intersection. Margo had two other passengers in her car. In the car that she hit there were 3 passengers. Two sued Margo for damages and medical expenses. They were awarded $250,000 each. The third person did not sue but had $54,000 in medical expenses from the accident. Todd in Margo's car always was hurt and had $36,000 in medical expenses. There was also damage to a fence, the other car, and a lawn for a total of $24,000. Margo pays for the following car insurance: 200/500/20, PIP: 40,000. What is the total cost the insurance company will pay AND what is the total cost to Margo?