Below is an instruction that describes a task. Write a response that appropriately completes the request in Spanish. Please answer in Spanish.

### Instruction:
 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?


### Response:
 Primero averigua cuánto pagará la compañía de seguros multiplicando el costo total por el porcentaje que Carl no tiene que pagar: $40,000 + $70,000 = $110,000 * 0.2 = $22,000 que Carl tiene que pagar.