Which of the Following Statements About Claims Settlement Is True

Which of the following statements about claims settlement is true?

A) Agents are never authorized to settle claims.
B) Independent adjustors may be used in a geographic area where the volume of business is too low for an insurer to have its own adjustors.
C) A public adjustor is a salaried employee who works for one insurer.
D) A company adjustor is hired by a policyholder to represent him or her if the policyholder does not agree with the claim settlement offered by the insurer.