Which of the following is NOT true about workers' compensation insurance?

A$.$ All states have enacted legislation that compensates employees for such injuries.

B$.$ Employers can purchase workers' compensation insurance to cover employee injuries.

C$.$ If an insured owner dies, the insurance proceeds are paid to the deceased's beneficiaries, and the deceased's interest in the business then reverts the other owners or the business, according to the terms of the buy$-$sell agreement.

D$.$ In most instances, the injured employee can sue the employer for liability if the workers' compensation award is too low.

E$.$ Under a workers' compensation system, an injured worker submits a claim to the appropriate workers' compensation court or administrative agenc$)$ determination of payment for loss.