Kellen was driving through an intersection when his Jeep was broadsided by a convertible driven by Drake. Big Insurance issued an auto policy to Kellen with a $$7,500$ per person limit for medical expenses incurred within two years of the accident. Big paid all of Kellen's medical bills totaling $$5,000.$ Kellen learned, $23$ months after the accident, that due to the accident he required surgery that will cost $$4,500.$ The surgery was to be performed two months later. Kellen consulted a surgeon but did not enter into a contract with the surgeon. Is the cost of the surgery covered in most states?

A$.$ Yes, because it is a medical expense incurred as a result of the accident.

B$.$ Yes, because Kellen incurred the cost of the surgery within two years of the accident.

C$.$ No$,$ because expenses for future surgery are incurred when the insured pays for them.

D$.$ No$,$ because Kellen has not paid for the surgery and has no contractual obligation to pay.