Automobile collision insurance is used to pay for any claims made against the driver in the event of an accident. This type of insurance will typically pay to repair any assets that your vehicle damages. A random sample of 4040 collision claims of 20- to 24-year-old drivers results in a mean claim of $45404540 with a standard deviation of $23022302. An independent random sample of 4040 collision claims of 30- to 59-year-old drivers results in a mean claim of $36603660 with a standard deviation of $20292029. Using the concept of hypothesis testing, determine if a higher insurance premium should be paid by 20- to 24-year-old drivers. Use a alpha equals 0.01α=0.01 level of significance, and let population 1 be 20- to 24-year old drivers and population 2 be 30- to 59-year old drivers. Complete parts (a) through (e) below.

a. Collision claims tend to be skewed to the right. Why do you think this is the case?
b. What type of test should be used?
c. Determine the null and alternative hypotheses.
d. Calculate the P value
e. Draw a conclusion based on the hypothesis test