Which statement FAILS to represent current patterns of insurance coverage and loss?

a. The most common insurance coverage is for medical expenses rather than for property loss expenses. 

b. High-income people are more likely to buy crime coverage than are low-income people. 

c. Households that are most likely to receive cash settlements from a policy have suffered burglaries. 

d. Because most crime-related losses are minor, most people with insurance policies will not be reimbursed