Many insurance policies carry a deductible provision that states how much of a claim a person must pay out of pocket before the insurance company pays the remaining of the expenses. For example, if someone files a claim for $350 on a policy with a $200 deductible, he or she pays $200 and the insurance company pays $150. In the following cases, determine how much a person would pay with and without an insurance policy. Complete parts (a) through (d) below.

a. A person has a car insurance policy with a

$800

deductible provision (per claim) for collisions. During a two-year period, the person files claims for

$530

and

$825.

The annual premium for the policy is

$580.