When he bought a new car, you recently sold Ryan a personal auto policy with $$\frac{100}{300}\frac{?}{50}$ liability limits$.$ While you were at it$,$ you reviewed his homeowners policy. Now Ryan informs you that he has just been involved in a bad accident that might be his fault and that a passenger in the other car is in a coma and might never recover. Ryan is concerned that his insurance limits might not be adequate. You are concerned, too, and your biggest concern is that

a$.$ your loss ratio will go down if Ryan is responsible for this accident.

b$.$ insurance companies do not expect to have losses, and you'll have to report this one.

c$.$ Ryan might bring an errors and omissions claim agdinst you for not suggesting he buy a personal umbrella. $q,$ d$.$ you might not be able to renew Ryan's policy and will lose his business.