$\"\"$

The car insurance policy costs $\"\"$ .

If the car is stolen and not recovered the company will pay $\"\"$ .

The probability of car being stolen is $\"\"$ .

$\"\"$ .

The expected value of the loss for the insurance company is $\"\"$ .

So, the insurance company should expect to gain $\"\"$ .

$\"\"$

the insurance company should expect to gain is $\"\"$ .