The Financial Responsibility Law requires you to carry extra insurance coverage if you .

if you have been responsible for injuries or damages during a motor vehicle crash          

Explanation:

The Financial Responsibility Law requires you to carry extra insurance coverage if you have been responsible for injuries or damages during a motor vehicle crash.  The financial responsibility law is a law that requires organizations or individuals who own a motor vehicle to show proof that they are financially capable of taking care of any damages in case of an accident, this proof could be shown by carrying an extra insurance coverage.

this statement is true.

forests are public goods, available for everybody. when usage of such a good becomes interesting for consumers and its usage increases, there can be a risk of overexploitation. it is a non rival good therefore, if one person consumes the good it does not reduce the availability for subsequent consumers.

these caracteristics require the establishment of measures in order to prevent the destruction of a commonly owned space, for example, to restrict the amount of people that have access to the same time.