Final answer:
The provided information discusses how automobile insurance premiums are calculated among a group of 100 drivers to cover the total damage from accidents. It does not supply data regarding the cost per point for drivers, which is normally associated with traffic violation penalty systems and can vary by region.
Step-by-step explanation:
The information provided seems to be related to how automobile insurance premiums are calculated to cover the costs of accidents for a given group of drivers. It does not directly answer your question regarding the cost per point for a driver, as that would likely be related to a fine or penalty system rather than insurance premiums.
In the scenario given, if each of the 100 drivers pays a $1,860 premium each year, the insurance company will accumulate $186,000. This amount is used to cover the total damage incurred by accidents within this group.
The example given explains how this premium is calculated based on the risk and cost of accidents, assuming it's impossible to determine who the low-risk, medium-risk, or high-risk drivers are at the outset.
However, the question about a driver paying for the first 6 points and additional points may refer to a point-based penalty system used in some regions to encourage safe driving.
Typically, points are added to a driver's record for traffic violations, and once a driver accumulates a certain number of points, they may be required to pay fines, face suspension, or other penalties.
The cost per point can vary by jurisdiction and it would be best to refer to local Department of Motor Vehicle (DMV) guidelines for specific fees.