Which of the Following,if Any,will Big Insurance Co

Which of the following,if any,will Big Insurance Co.most likely be required to prove in order to deny coverage based on the discrepancy between the application and Joon's driving?

A) Only that the company's knowledge of the misrepresentation would have resulted in rejection of Nari's application.
B) Only that Nari's misrepresentation was material.
C) That Nari's misrepresentation was material;that knowledge of the misrepresentation would have resulted in rejection of her application;and that the insurer's loss would be in an amount over $10,000.
D) Both that Nari's misrepresentation was material and that knowledge of the misrepresentation would have resulted in the refusal to provide insurance.
E) There is no proof that Big Insurance Co.can provide to avoid coverage because,as a matter of law,it is clear that coverage must be provided based on Joon's permissive use of the vehicle.