Which of the Following Describes the Concept of Adverse Selection

Which of the following describes the concept of adverse selection for consumers?

A) It is illegal not to have car insurance if you are driving in Speedville.
B) Your special credit card provides you with extra travel insurance.
C) Some travellers get extra life insurance before they get on the planes.
D) People who are more cautious tend to buy more insurance.
E) My insurance premium has just gone up.