please write answers clearly and correct for this homework. thank you

Question 12 The purpose of the "Gap" endorsement under the Personal Auto Policy is to: Pay the difference between the total loss settlement for physical damage to an insured vehicle and the balance owed on a lease or ca Pay the difference between the bodily injury liability limit purchased and the actual amount of bodily injury damages incurred Pay the difference between the uninsured motorist coverage limit and the actual amount of the medical expenses incurred by the in O Pay the difference between the medical payments coverage limit and the actual medical expenses incurred by injured family membe passengers in the insured auto, 2 pts D Question 13 Kristen has $200,000 Underinsured Motorist coverage. She is injured by a negligent motorist and suffers bodily injury of $130,000. The negligent motorist has limits of $30/60/25. What amount will Kristen collect under her UIM coverage? 5200,000 $130.000 O $30.000 O $100.000