Solace Insurance Company (SIC) Sold an Insurance Policy to Kelly

Solace Insurance Company (SIC) sold an insurance policy to Kelly. Because of the occurrence of certain events, the concept of subrogation has become relevant. That most likely means that

A) although SIC is liable to pay for most of the loss, Kelly is required to pay for a small part of that loss.
B) a tortfeasor damaged property that Kelly had insured.
C) SIC has discovered that Kelly does not have an insurable interest in certain property.
D) Kelly purchased insurance policies, covering the same loss, from at least two different insurance companies.
E) Kelly breached her obligation of utmost good faith.