Solace Insurance Company (SIC) Sold an Insurance Policy to Kelly

Solace Insurance Company (SIC) sold an insurance policy to Kelly.As a result of certain events, the concept of subrogation has become relevant.This most likely means that

A) Kelly breached her obligation of utmost good faith.
B) although SIC is liable to pay for most of the loss, Kelly is required to pay for a small part of that loss.
C) a tortfeasor damaged property that Kelly had insured.
D) Kelly purchased two different insurance policies, from two different insurance companies, with respect to the same risk of loss.
E) SIC has discovered that Kelly does not have an insurable interest in certain property.