4.125 Accident Insurance Accident records col- lected by an automobile insurance company give the following information: The probability that an insured driver has an automobile accident is 0.15; if an acci- dent has occurred, the damage to the vehicle amounts to 20% of its market value with probability 0.80, 60% of its market value with probability 0.12, and a total loss with probability 0.08. What premium should the company charge on a $22,000 car so that the expected gain by the company is zero?