Sue jones is insured for bodily injury in the amount of 10/20. she is at fault in an accident in which albert smith is injured. also injured in the accident is a pedestrian, sam dickson. albert's medical expenses total $12,000, sam's come to $8,000. how much will the insurance pay?

What you must do is add up the total amount of medical expenses:
 Albert's medical expenses total $ 12,000
 Sam's come to $ 8,000
 Adding we have:
 $ 12,000 + $ 8,000 = $ 20,000
 Sue Jones is insured for the amount of 10/20
 So:
 (10/20) * (20000) = 10000
 answer
 The insurance will pay $ 10,000