. State legislatures enacted compulsory automobile insurance liability laws primarily A. to make sure that drivers are protected against liability they may incur. B. to provide claimants with a defendant worth suing. C. in an effort to help consumers make good risk management decisions. D. to generate premium tax dollars. E. more than one of the above.

In purchasing automobile insurance, which of the following coverages should be considered essential? A. liability coverage. B. medical payments coverage. C. uninsured motorist coverage. D. underinsured motorist coverage. E. they are all essential.