M = miles driven
S = standard charge = 15.75*0.50M
I = insurance charge = 3.70*0.25M
C = total charge
We're looking for total charge when someone pays for the standard charge, S, and the insurance charge, I, but we do not know the number of miles M. So,
C = S + M
= (15.75*0.50M) + (3.70*0.25M)
= 7.875M + 0.925M
= 8.8M
(But you may want to check your functions, as they were hard to read and may not be correct.)