The "Defense" Provision of the Automobile Insurance Contract Says the Insurer

The "defense" provision of the automobile insurance contract says the insurer:

A) will pay all defense costs, but those costs will reduce the limits of the policy
B) will indemnify the insured for expenses incurred as a result of hiring the insured's choice of defense attorney
C) does not need the consent of the insured to settle any claim against the insured
D) must investigate each and every claim