Disadvantages of automobile insurance plans include which of the follo

Disadvantages of automobile insurance plans include which of the following?

I. High premiums may cause many high-risk drivers to go uninsured.
II. Large underwriting profits have resulted in high-risk drivers subsidizing the cost of insurance for good drivers in the voluntary markets.
A) I only
B) II only
C) both I and II
D) neither I nor II

ANSWER

Answer: A