Which of the Following Is an Example of Adverse Selection

Which of the following is an example of adverse selection?

A) Individuals with makes of cars that are widely known to be the target of car theft are more likely to insure their car.
B) Individuals who have a history of not being careful with their possessions are more likely to insure them against accidental damage.
C) Individuals with possessions that are costly to replace are more likely to insure them against accidental damage.
D) All of the above