The online mortgage industry has transformed the process of obtaining a mortgage

HMOs:

A) are the same as PPOs but cover only groups of individuals B) collect a capitation payment for each insured and provide "comprehensive" health and preventive care C) tend to be found mostly in rural areas D) provide a reduced fee if the insured has zero claims during the preceding policy year

Which of the following statements regarding auto insurance is not true?

A) No-fault insurance programs do not hold a specific driver liable for causing an accident. B) Exaggerated personal injury claims result in additional insurance expenses of about $100 million per year. C) One reason for high auto insurance premiums is auto insurance fraud. D) If you drive a car, you need to have auto insurance.