Statistics - True Value Probab.. Help

For this question:
P(L and C) : The probability that an individual opts for at least a life and a car insurance policy. Assign your answer to a variable named p_l_and_c .

My first instinct was to do (40+87)/200 but the true answer is actually 40/200.

Would this be because since only 40 folks purchased car insurance in the records you could not have 87 who purchased both so the default value is 40 for the AND question?

Probability really trips me up because it switches up on me between mathematical to critical problem solving and back to mathematical… :slight_smile:

Thanks for any help.