A car owner may buy insurance that will pay the full price of repairing the car after an at-fault accident, or save $12 a year by getting a policy with a $500 deductible. Her insurance company says that about 0.5% of drivers in her area have at-fault auto accident during any given year. Based on this information, should she buy the policy with the deductible or not?How does the value of her car influence this decision?