Hi I need help with this problem...

You have just bought a new and therefore fairly expense car. You have to buy some insurance. The insurance cost is $1000 for a year but the deductible is only $150. I f we assume that the probability of your having an accident in the next year is 10% and that the average cost of an accident involving a car like yours is $5000, what is the expected utility for you of buying insurance?(Itwasntme)