Final answer:
The surcharge cost for a motorist who accumulates six or more points within three years can vary, but using the given information, we can calculate an example surcharge cost.
Step-by-step explanation:
The surcharge cost for a motorist who accumulates six or more points within three years can vary depending on the insurance company and state regulations. However, let's use the given information to calculate an example surcharge cost. First, let's consider that each of the 100 drivers pays a $1,860 premium each year, and the insurance company collects $186,000 to cover the costs of accidents that occur.
If we assume that all 100 drivers have the same premium and are responsible for the $186,000, we can divide that amount equally among the drivers. Therefore, the surcharge cost for each driver would be $186,000 divided by 100, which is $1,860.