Ahistorian makes an interpretation when he or she:

Analyzes evidence to develop a better understanding of the past.

Explanation:

A historian is someone who studies past events of humanity. One of the most important tasks of historians is to interpret events. This means that historians give meaning to events of the past. When a historian interprets, he or she analyzes evidence in order to develop a better understanding of the past. In this way, he or she can better explain why a particular event was significant and why it holds relevance for people of present times.

both focus ón people who behave in a risky way and çause accídeñ both explaín how to púrchase insurance añd cover the costs of premium. both describe what happened when consumers fail to pay their premíums in time

it should be d or b but i'm sure it's d