Recall Car Insurance and Risky Driving

Recall car insurance and risky driving.What does the theory of moral hazard suggest when it comes to car insurance among insured and uninsured drivers?

A) The insured driver,who bears less than the full cost of a collision,will drive less carefully than the uninsured driver.
B) The insured driver,who bears more than the full cost of a collision,will drive more carefully than the uninsured driver.
C) The insured driver,who bears less than the full cost of a collision,will drive more carefully than the uninsured driver.
D) The uninsured driver,who bears less than the full cost of a collision,will drive less carefully than the insured driver.