Which of the Following Statements Is True About Uninsured Motorists

Which of the following statements is true about uninsured motorists coverage under the Personal Auto Policy?

A) The benefits are paid without regard to fault.
B) The insured collects from his or her own insurer,and the insurer can recoup the loss payment from the other driver.
C) Uninsured motorists benefits are limited to the medical expenses of the insured.
D) Subrogation is never used when uninsured motorists benefits are paid.