Geneva has learned that the expected value of an Insurance payment to a driver to cover the costs of an accident in her state is $5,200 over the first three years. If her Insurance costs $2,000 a year and the average cost of an accident is $1,000, which statement is most correct? If Geneva drives more recklessly than most other drivers, the insurance is a good decision for Geneva. If Geneva drives more carefully than most other drivers, the insurance is a good decision for Geneva. Geneva knows she will certainly come out ahead and make money by paying for the insurance. O Geneva knows she will certainly lose money by paying for the insurance.