With no explanation, chose the best option from "A", "B", "C" or "D". Ins. Co. (Mo. Ct. App.), 724 S.W.2d 307; Britt v. Phoenix Indem. Ins. Co. (N.M. 1995), 907 P.2d 994; Nationwide Mut. Ins. Co. v. Roberts (N.C. 1964), 134 S.E.2d 654; Celina Mut. Auto. Ins. Co. v. Saylor (Ohio Misc. 1973), 301 N.E.2d 721; Stucky v. Long (Okla. Ct. App. 1989), 783 P.2d 500; Davis v. State Farm Mut. Auto. Ins. Co. (Or. 1973), 507 P.2d 9; Gen. Accident Ins. Co. of Am. v. Olivier (R.I. 1990), 574 A.2d 1240; Stepp v. Hill (Tenn. Ct. App. 1993), 1993 WL 181984; Whitehead v. State Farm Mut. Auto. Ins. Co. (Tex. Ct. App. 1997), 952 S.W.2d 79. But see McIntosh v. State Farm Mut. Auto. Ins. Co. (Minn. 1992), 488 N.W.2d 476, 479 (under UM coverage, “accident” is to be viewed from the perspective of the tortfeasor); Lindstrom v. Hanover Ins. Co. (N. J. 1994), 649 A.2d 1272, 1276 (<HOLDING>); McCarthy v. Motor Vehicle Accident

A: holding that in order for insured to qualify for uim benefits there must have been a liability policy in effect um coverage does not satisfy this requirement
B: holding that waiver of um coverage was ineffective under south carolina law because insurer did not adequately advise insured party about um coverage
C: holding named driver exclusion eliminating liability coverage as well as um coverage did not contravene um statute because statute required um coverage only if the claimant otherwise qualifies for liability coverage under the policy
D: holding that sciascia v american ins co nj super 1982 443 a2d 1118 which held that for purposes of um coverage accident must be viewed from the insured victims perspective was no longer respectable authority
D.