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What is involved when a life insurance policy has been backdated?

A) Setting a policy's effective date prior to a preexisting condition B) Redating a policy after it has been issued C) Reinstating a lapsed policy D) Making the policy effective on an earlier date than the present

Ron's PAP has a $500 deductible for Collision and a $0 deductible for Other than Collision. Ron collides with a wild deer, causing $6,000 of damage to his car. He can recover from the insurer:

A) $6,000 B) $5,500 C) $6,500 D) $0