What is the primary purpose of a rating service company such as A.M Best?

What is the primary purpose of a rating service company such as A.M Best? 



a) Determine which insurer offers the best rates
b) Determine which insurer offers the best policies
c) Determine financial strength of an insurance company
d) Determine which agent to use locally


Answer: c) Determine financial strength of an insurance company

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You are riding in Sarah's car when she fails to yield and causes an accident. Which of the following coverages would NOT pay for your injuries?

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