Yes, she has enough money because you have to multiply the $18 by .07 and you get 1.26. Then, you add the 1.26 to 18, and you get 19.26. So they'd be paying only $19.26
If the auto insurance covers theft up to $15,000 and his car value is less than it ($8,000), he is going to pay only $250 deductible. It means that it covers values until $15,000.