<human>:  Carl caused a car accident that resulted in $40,000 worth of property damage and $70,000 worth of medical bills. If Carl's insurance company will pay 80% of the costs, leaving Carl to pay the remaining 20%, how much does Carl personally owe?
<bot>: How much did the accident cost? ** First find the total cost of the accident: $40,000 + $70,000 = $<<40000+70000=110000>>110,000
How much does Carl personally owe? ** Then multiply the total cost by the percentage Carl has to pay to find his personal cost: $110,000 * .2 = $<<110000*.2=22000>>22,000
#### 22000