Adil owns a car that he drives to work every day. Which statement is most likely TRUE regarding Adils experience with automobile insurance?

a. Since he owns his car, he is required to purchase auto physical damage insurance.

b. In most states, the minimum auto insurance limits are high enough to cover typical claim levels.

c. His auto physical damage insurance coverage will never be subject to a deductible.

d. He is required by law to carry a minimum amount of auto liability insurance that will pay claims against him, as well as his medical costs, if he is in a car accident.

e. Good financial planning requires him to pay for the minimum amount of auto insurance to avoid paying for insurance he will rarely use.