Zora Was Driving,talking on Her Cell Phone to Her Boyfriend,and

Zora was driving,talking on her cell phone to her boyfriend,and drinking a soda all at the same time.Her boyfriend made her angry at the same time that she spilled her soda.Because of the distractions,Zora momentarily took her eyes off the road,ran into Zach's yard,and smashed his brand new customized Jaguar.Zora only had $15,000 in insurance for property damage.The damages to Zach's Jaguar totaled $15,000.Zora begged her insurance company to offer Zach the limits of the policy and settle the lawsuit.Her insurance company refused to do so.Not surprisingly,Zach sued Zora.Zach got a judgment against Zora for $25,000.Her insurance company paid the $15,000 in insurance and left Zora to pay the rest.What should Zora do?