Identify the correct statement about fortuitous losses.
A) The risks assumed by an insurer must not involve the possibility of loss to the insured.
B) In an ideal exposure, the insured is able to influence the event to be insured.
C) Insurers only insure events that cannot be influenced by the insured or affected by intangible and physical hazards.
D) Probability distributions estimated by observing past experiences can be used to predict losses if the future losses are fortuitous.