modify question 1 so that There are two types of drivers on the road today. Speed Racers have a 5% chance of causing an accident per year, while Low Riders have a 1% chance of causing an accident per year. There are twice as many Speed Racers as there are Low Riders. Each driver has an income of $12,000 and the cost of an accident is $12,000. a) Suppose an insurance company knows with certainty each driver's type. What actuarially fair premium would the insurance company charge each type of driver