Which of the following statements about medical liability is false? * O A) In the 19705, medical liability insurance premiums rose rapidly, and some types of insurance were simply not available. B) The most frequent type of claims brought against physicians today allege failure to diagnose, failed surgery, or improper treatment. 0) Defensive medical costs are not incurred under today's tort liability system. D) Several solutions for dealing with the medical liability problem have been proposed, but none address the problem of professional incompetence. 000 Which of the following statements about a calendar-year deductible is (are) true? I. It requires the insured to pay a specified amount of each claim regardless of when the claim occurs during the year and regardless of any previous claims during the year. II. It is used only in policies which cover direct property losses. * O A)lonly O B)llonly O 0) both I and H O D) neither I nor ll