For this case, what you should know is that Sue Jones insurance covers half of the expenses. Equivalently, her insurance covers:
10/20 = 1/2 = 0.5
Therefore, we have then that
a. for Albert
0.5 * (12000) = $ 6000
b. for Sam
0.5 * (8000) = $ 4000
c. total
The sum of the results of parts a and b
$ 6000 + $ 4000 = $ 10,000
answer
$ 6000
$ 4000
$ 10,000
