After Grace's injury from a faulty recliner, how much will XYZ Furniture pay out-of-pocket for the claim in total?

The total payout for Grace's claim from XYZ Furniture is $50,000 because this amount typically represents the insurance coverage limits applicable to such incidents. In many liability claims, particularly those involving personal injury, there is often a predetermined policy limit that the insurance carrier will pay for legal claims, medical expenses, or damages.

In this scenario, the figure of $50,000 likely reflects the maximum liability covered under the insurance policy held by XYZ Furniture. While the medical bills or damages incurred by Grace could be higher, insurance companies have caps on what they will pay out, which is a common practice to manage risk and financial exposure.

Therefore, with the information provided, it's determined that XYZ Furniture will be responsible for covering up to $50,000 for Grace's claim due to these liability coverage limits.