All drivers who lease the cars they drive carry automobile

All drivers who lease the cars they drive carry automobile collision insurance, but many who own the cars they drive do not.

Which of the following, if true, would best explain the cause of hte situation described above?

A) Automobile drivers are not required by law to carry collision insurance on the cars they drive, but automobile leasing companies require that a driver who leases a car to carry collision insurance.

B) Automobile drivers are not required by law to carry collsion insurance, and collision insurance is extremely expensive.

C) Collision insurance is a sensible purchase only if the automobile it covers is under two years old.

D) Most insurance companies prefer not to issue automobile collision insurance and are slow to pay when a policy holder makes a claim.

E) Many drivers who own their cars would rather risk the cost of repairing their vehicles in the event of an accident than pay for collision insurance.