Final answer:
A driver will receive an insurance surcharge for a DUI conviction, refusing to take a breathalyzer test, and not having proof of liability insurance in the vehicle. The correct answer is d. all of the above.
Step-by-step explanation:
A driver will get an insurance surcharge for several reasons, most of which are related to violations that suggest higher risk. A DUI conviction typically results in surcharges because it indicates a high level of risk. Similarly, refusing to take the breathalyzer test can also result in a surcharge. This refusal might be seen as an admission of guilt, or at least non-compliance with law enforcement, and thus higher risk. Additionally, not having proof of liability insurance in the vehicle can lead to penalties because driving without insurance puts others at financial risk if an accident occurs. Therefore, the correct answer to the question is d. all of the above.