Which of the Following Is a Description of Adverse Selection

Which of the following is a description of adverse selection?

A) Malpractice insurance may increase the amount of malpractice.
B) Drivers may be less cautious because they have airbags installed in a car.
C) Those individuals who most need insurance are the ones most likely to buy it.
D) A work contract that gives a set number of sick days may encourage workers to claim they are sick more often.
E) A polluting firm is taxed by the government.