4. Allen Siegell has a personal injury protection policy that covers each person in, on, around, or under his car for medical expenses up to $50,000. He is involved in an accident and five people in his car are hurt. One person has $3,000 of medical expenses, three people each have $500 worth of medical expenses, and Allen himself has medical expenses totaling $62,000. How much money must the insurance company pay out for these five people? 5. Ruth has decided to drop her collision insurance because her car is getting old. Her total premium is $916, of which $170.60 covers collision insurance. a) What will her annual premium be after she drops the collision insurance? b) What will her quarterly payments be after she drops the collision coverage