Which of the Following Statements Respecting Claims, If Any, Is

Which of the following statements respecting claims, if any, is TRUE?

A) The insured, pursuant to the policy, usually must give immediate notice of a claim to the insurer.
B) The limitation period in which to bring an action on a contract of insurance is two years and that cannot be shortened by terms of the policy
C) If an injured party has property insurance and gets paid in full, they cannot sue the person who caused the damage as that would be double recovery
D) An insured may be awarded punitive damages if an insurer deals with a claim in bad faith
E) Both A and D