One difficulty that owners of antique and classic automobiles encounter when addressing their loss exposures through insurance is that

A$.$

Physical damage coverage on an actual cash value basis does not reflect the automobile's current value.

B$.$

Physical damage coverage on a replacement cost basis is typically the only option available.

C$.$

Liability insurance for such automobiles is difficult to obtain.

D$.$

Liability coverage is often restricted when such automobiles are driven in parades and other special events.