If on Paying an Insurance Claim the Insurer Assumes All

If on paying an insurance claim the insurer assumes all of the insured's rights in relation to the subject of matter of the insurance:

A) the insurer is exercising its right of subrogation.
B) the insurer is likely to be related to the insured or is the insured's employee.
C) the insurer cannot sue a third party who caused the loss.
D) the insured person's admission of liability will not prejudice the insured's claim.