Bill Buckely has split-limit 75/150/30 automobile liability insurance on his 2012 Subaru. Driving home from work in a snowstorm, he hit a Mercedes, slid into a guardrail, and knocked down a telephone pole. Damages to the Mercedes, the guardrail, and the telephone pole were $25,186, $4,685, and $13,845 respectively. How much will Bill's insurance company pay? How much will Bill be required to pay directly?
Bill's insurance company will pay $_____(Round to the nearest dollar.)