Insurance. By examining the past driving records of drivers in a certain city, an insurance company has determined the following (empirical) probabilities: More than 15,000, Miles Driven per Year 10,000 - 15,000 inclusive, M2 20 .10 .30 Less than 10,000 M .05 .10 .15 M3 Accident No Accident Totals .25 .30 .55 Totals .50 50 1.0 a driver in this city is selected at random, what is the probability that a. He or she drives less than 10,000 miles per year or has an accident? (Type a decimal.) b. He or she drives 10,000 or more miles per year and has no accidenta? (Type a decimal)