Which of the following statements about uninsured motorist coverage is true? Select one: a. This coverage applies to bodily injury when you are in an accident with an uninsured driver, regardless of who was at fault. b. It replaces bodily injury liability when an accident is caused by another driver who is not insured. Oct does not apply to accidents caused by a hit-and-run driver. Od. It does not pay out when a driver who is at fault has an insurance company that goes bankrupt. If Tom is a technology consultant and wants to purchase reliable long term disability insurance coverage that is cost effective for him, which would be the best choice? Select one: O a. Own occupation to age 65 O b. Own occupation c. Regular occupation to age 65 O d. Any occupation Comprehensive coverage would cover financial losses due to Select one: a. damage to your car in an accident for which you were at fault. O b. damage to your car caused by a hit and run collision. c. damage to your car caused by wind or hail. O d. damage to a neighbour's fence caused by your car. Independent insurance agents, sometimes called brokers, Select one: a. are self-employed and represent their own companies. O b. work for only two or three companies. C. represent many different insurance companies. O d. work for just one insurance company