A Physician Purchases a Malpractice Liability Coverage

A physician purchases a malpractice liability coverage. He treats a patient for three months, stating, "There is no doubt that I can cure you if you will just give me time." The patient does not get well and brings an action for malpractice after one year. The contract

A) must pay,
B) excludes this type of loss,
C) covers this loss only if properly endorsed,
D) requires that the insurer defend this suit but will not pay any resulting damages,
E) none of these.