Denny Driver Has an Insurance Policy for His Car That

Denny Driver has an insurance policy for his car that is like everyone else's insurance policy. It provides that if he is sued as a result of a car accident, the insurance company will provide a lawyer for his defense. Although common, this policy

A) does not create a conflict because the lawyer's loyalty is to Denny (the client) regardless of the fact that the insurance company is paying for the representation.
B) does not create a conflict because Denny can choose a lawyer and the insurance company will pay for it.
C) creates a conflict of interest because the interests of the insurance company are inherently different from the interests of the insured.
D) creates a conflict of interest only if Denny doesn't like the appointed lawyer.