A motorcycle insurance company has $5,000 policy holders, and the accident rate is 0.08. The company needs to invest $400,000 this year. Each accident costs $18,000 on average If they want a plan with a deductible of $4,000, they need to charge a minimum of $() for premiums.
if they want a plan with premium of $1,000, they need to charge a minimum of $() for deductibles.​