A policyholder has a two-year auto insurance for his new car. Let X be the number of accidents that the policyholder experiences in one year You are given: . Pr[X = ì´ 0.9 Prix-1 0.08 . Pr[X=2= 0.02 The number of accidents that the policyholder experiences in each year is independent Given that the policyholder experiences exactly 2 accidents in two years, find the probability that the policyholder experiences at least one accident in each of the two years.