please answer

i [20 marks] The Federal Insurance Company (FIC) offers auto insurance policy that costs $1000 and has a $200 deductible for full coverage for an accident. The Union Insurance Company (UIC) offers a policy that costs $900 with a $600 deductible. Drivers in this society are either carell or careless. If a driver is careful, he has a probability p,C of having an accident that will lead to the loss of his car. If a driver is reckless (i.e., careless), he has a probability pr of having an accident that will lead to the loss of his car, where 0