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

[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 vehicle insurance policies do not generally provide coverage for legal representation, which of the following is true?

A) Beatriz is incorrect.
B) Beatriz is correct only in situations in which a student with a student policy is involved in an accident.
C) Beatriz is correct only in situations in which an insured has had at least two previous accidents.
D) Beatriz is correct only in situations in which a student is carried on a parent's insurance policy.
E) Beatriz is correct because insureds are expected to shoulder some of the burden of accidents.