Jeanine paid an annual premium of $1,200 in total liability coverage for her car, including up to $400,000 in bodily injury coverage and $100,000 in property damage coverage. twelve years into her policy, jeanine caused an accident that resulted in the other driver claiming $40,000 in medical costs and $15,000 in car damage. jeanine's insurance company paid the claim. did the cost of the benefit of transferring the risk to the insurance company outweigh the cost of the premium? a. yes, the cost of the annual premium for 12 years was more than the accident claims b. yes, the cost of the annual premium for 12 years was less than the accident claims c. no, the cost of the annual premium for 12 years was the same as the accident claims d. no, the cost of the annual premium for 12 years was more than the accident claims