[Imari's Imprudence] Imari Was Texting While Driving and Slammed into the Back

Multiple Choice

[Imari's Imprudence] Imari was texting while driving and slammed into the back of Cody's car. Shortly thereafter she received notice of a lawsuit setting forth Cody's claims for personal injury and property damage. Imari was very busy studying for college and did not feel like dealing with a pesky lawsuit. Several months later, Beatriz, a new agent with the insurer, called Imari and told Imari that she had just heard something about a lawsuit from the Cody's lawyer. Beatriz told Imari that although investigation would be difficult after so many months, she would like to talk with Imari because the trial was scheduled for next week. Imari told Beatriz that she had no time to meet at the moment and that just before court, she would meet with the lawyer the company appointed to represent her. Beatriz told Imari that the insurance company was going to deny coverage. Beatriz also told Imari that vehicle insurance did not typically provide for legal representation and that, in any event, no lawyer would be provided. Finally, Beatriz told Imari that Imari's insurance was cancelled immediately because she was a real jerk and failed to help, that insurance would not pay for accidents that were the fault of Imari anyway, and that the insurer wanted nothing more to do with her.
-Regarding Beatriz's assertion that the insurer was not liable for accidents that were the fault of the insured, which of the following is true?

A) Beatriz is correct because insurance on vehicles is meant to assist drivers who are involved in accidents through no fault of their own.
B) Beatriz is correct only if Imari has had at least two previous accidents.
C) Beatriz is only correct if Imari is still carried on a parent's insurance policy.
D) Beatriz is likely correct only because Imari is a student with a student policy.
E) Beatriz is incorrect