Which of the following are considered moral hazards?

I. Driving while intoxicated.

II. Failing to lock your front door, which results in the theft of a computer and other personal effects.

III. Reporting excess damage from a hailstorm in order to collect additional insurance benefits.

IV. Stealing an acquaintance’s automobile in order to file a theft claim and split the claims with the acquaintance.

A. I, II.

B. II, III.

C. I, II, III.

D. I, III, IV.