Sarah simpson is insured for bodily injury in the amount of 10/20. she is at fault in an accident in which fred vail is injured. also injured in the accident is a pedestrian, arthur abel. arthur's medical expenses total $16,000; fred's come to $8,000. how much will the insurance pay?

arthur:
fred:
total:

Okay, so the insurance cover 10/20 which means 50/100 (50%). 
So to find 50%, you just divide your price by 2. 
Arthur : $16,000 / 2 = $8,000.
Fred : $8,000 / 2 = $4,000.
Now, you have to add the two amount to find the total amount that the insurance will pay. 
Total : $4,000 + $8,000 = $12,000. 
Hope I helped you !