Kevin's auto insurance liability limits are $40,000/$80,000/$40,000 and his collision deductible is $5,000. He recently ran into a Rolls Royce. Three people in that car sustained bodily injuries; the driver's injuries were worth $20,000; a passenger received injuries worth $12,500; and another passenger received injuries of $17,000. How much will his insurance pay for their claims?
a. $39,000
b. $39,000
c. $40,000
d. $49,000
e. $49,500