In the Market for Insurance, Moral Hazard Leads To

In the market for insurance, moral hazard leads to:

A) those who are the most likely to collect insurance buying it.
B) those who buy insurance taking fewer precautions to avoid the insured risk.
C) those with less insurance taking on more risk.
D) people with prior insurance claims being charged a lower premium.
E) those who are the most likely to avoid paying the premiums buying insurance.