Critical Reasoning

Every driver in the United States is legally required to purchase liability insurance that protects other individuals in the event that the driver causes property damage or bodily injury. Some politicians argue that this insurance is partly responsible for the high rate of automobile collisions, because it reduces the drivers’ financial incentives to operate their automobiles in a safe and responsible manner. If drivers were required to pay directly for any damage they cause, they would drive more carefully.

The politicians’ argument makes which of the following assumptions?

A. If drivers were not required to carry liability insurance, individuals would be unprotected from uninsured drivers with little money to pay for damages they cause.

B. Drivers who cause bodily injury to another feel little or no regret for their actions.

C. Responsible drivers and reckless drivers pay similar premiums for liability insurance.

D. The cost of liability insurance is more than some drivers can afford.

E. Most drivers would purchase liability insurance even if they were not required to do so by law.


OA B

Source: Princeton Review