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WASHINGTON — Cleanup costs for last month’s oil spill in San Francisco Bay are on track to exceed the $61 million federal insurance-liability limit, the U.S. Coast Guard said Tuesday.

As of Saturday, $54.7 million has been spent to respond to the 58,000-gallon spill on Nov. 7, with cleanup costs averaging about $770,000 a day, the agency said.

The cost of the cleanup is expected to surpass the $61 million liability cap on insurance payments by the owner of the Cosco Busan, the cargo ship that sideswiped the San Francisco-Oakland Bay Bridge in heavy fog.

Coast Guard Commandant Adm. Thad Allen said the agency and the Justice Department were discussing how to proceed after the limit is reached.

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