Ali bought a new car in October for which he had been saving for a long time. On November

$13$th$,$ he was in a car accident and was hospitalized, missing two weeks of work before he

fully recovered. He does not have Short Term Disability insurance through his employer but

used his fully paid sick days to cover his ten$-$day work absence$.$ He has not seen his car yet

as it was towed away but heard from his insurer that there was damage of $$10,000$ to his

car. The other car that hit him from behind had $$15,000$ in damages. Ali's automobile

insurance policy has a $$2,000$ deductible for collision insurance, $$500$ deductible for

comprehensive insurance $($sometimes called "other than collision" coverage for fire, theft,

vandalism etc.$)$ and $$2,000,000$ of Third$-$Party Liability coverage $($also called Civil Liability

insurance coverage$).$ Both the Montreal police report and his Quebec insurance company

concluded that he was not responsible for the accident. Which statement$($s$)$ is correct?

I$)$ Quebec's no$-$fault insurance only covers the medical bills under Quebec's public

automobile insurance plan, the R$$gie de l'assurance maladie du Qu$$bec $($RAMQ$)$; Ali

must pay the $$2,000$ car insurance deductible and get reimbursed by the other

insurance company.

II$)$ Ali and the other driver have Quebec insurance coverage, and both are relieved that

they do not need to pay the full amount of the deductible as Quebec's no$-$fault insurance

requires them to split the deductible $50$:$50.$

III$)$ Ali does not have a car insurance deductible to pay.

IV$)$ Quebec's no$-$fault insurance covers the medical bills under Quebec's public automobile

insurance plan, the R$$gie de l'assurance maladie du Qu$$bec $($RAMQ$)$; both drivers are

not responsible for paying their car insurance deductible.

V$)$ Ali can sue the other driver responsible for the accident for the medical bills under the

R$$gie de l'assurance maladie du Qu$$bec $($RAMQ$)$ and for wages for the two weeks out

of work.

a$)$ II and V

b$)$ I and $V$

c$)$ II only

d$)$ III only

e$)$ IV only