Which of the Following Is the Most Important Reason to Carry

Which of the following is the most important reason to carry significant third Chaptery liability coverage?

A) It would provide medical and rehabilitation coverage for you and the passengers in your car,to the limit you select,and if insufficient,you would be required to pay the difference.
B) It provides excess medical and rehabilitation coverage if you are not at fault.
C) It provides excess coverage for accidents caused by uninsured and under insured motorists,when you are not at fault and if insufficient,you would be required to pay the difference.
D) It provides coverage for any court ordered awards to injured parties if you are at fault and if your coverage is insufficient,you would be required to pay the difference.