Brian wants to buy a motorcycle and is planning to get motorcycle insurance. Suppose the average accident rate is 0.1 and the average expenses incurred for accidents is $38,000. If an insurance plan has a yearly premium of $1,000 and a deductible of $4,000, the expected value per accident to each insured motorist is -$ and the expected value per accident-related claim to the insurance company for every customer is -$ .