M is a passenger in Fs car when it hits a tree. M incurs $18,000 in medical expenses and $2,600 in lost wages. If F is insured for $15,000/$30,000/$5000 which of the following statements is a CORRECT about recovery for Ms damages?

A. The policy's comprehensive coverage will provide payment since the accident was caused by colliding with a tree

B. The policy's underinsured motorist coverage will provide payment since the liability coverage is not sufficient

C. The policy's liability coverage will provide recovery

D. No recovery Is allowed because F was at fault