Betsy has $15,000 worth of property damage insurance and $11,000 comprehensive and collision insurance with a $1,000 deductible. She had a tire blowout while driving and crashed into another vehicle before hitting a $5,540 fire hydrant. The accident caused $13,100 of damage to her car and $25,000 worth of damage to the other vehicle. How much of the damages will Betsy have to pay?