Insurance or a Guarantee to Cover Losses May Create a Moral

Insurance or a guarantee to cover losses may create a moral hazard

A) which is an increase in the chance that a random accident will occur.
B) which is an incentive to decreased risk-taking by the insured.
C) which is an incentive to increase risk-taking by the insurance authority.
D) which is an incentive to increase risk-taking by the insured.