Joe (born on April 27, 1964) has coverage for his son, Patric (born on May 25, 1990), provided by his employer with an 8

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Joe (born on April 27, 1964) has coverage for his son, Patric
(born on May 25, 1990), provided by his employer with an 80 percent
coinsurance provision and a $100 deductible. Joe’s wife, Elizabeth
(born on November 3, 1967), also has dependent coverage provided by
her employer with an 80 percent coinsurance provision and a $250
deductible. Patrick suffers a $5000 loss that is covered by both
policies. Assuming that the 1985 NAIC rules are in effect,
Elizabeth’s insurer will deal with
Select one:
a. $3800,
b. $1080,
c. $0,
d. $1200.