Good Drivers Have a 20% Chance,and Bad Drivers Have a 50

Good drivers have a 20% chance,and bad drivers have a 50% chance,of getting into an accident.A car is worth $900,and an accident would reduce its value to $400.Both types of drivers have utility U = (car value) ^0.5.What is a good driver's expected utility without insurance?

A) 20.
B) 25.
C) 28.
D) 30.
E) None of the above.