Which of the Following Is Not True Regarding the Doctrine

Which of the following is not true regarding the doctrine of subrogation in insurance law?

A) The insurer,when taking legal action against the party at fault,must sue in its own name.
B) When the insured has received a full payout for a claim the insurer can retain any money received in excess of the claim.
C) The insurer acquires all legal rights that an insured has in regard to a claim,including the right to sue the party at fault.
D) If the insured releases the party at fault from liability,the insurer is probably also released from liability.