an individual has homeowners insurance that covers up to $400,000, a personal auto insurance that covers up to $100,000 and an umbrella policy that covers up to $1,000,0000. an accident occurred in the person’s front yard in which a child was trying to catch a baseball and wanted to avoid the car and was hit in the face with the ball. the child was concussed and had a broken jaw from the ball and his medical expenses added up to $500,000. what is covered from insurance?