Choose the statement that is true about the payment of claims.
A - An insurer must contact the Department of Highway Safety and Motor Vehicles records to determine whether a partially damaged vehicle owned by the insured is subject to any liens
B - As long as the claim is settled, it doesn't matter how the third-party spends the claim benefit
C - An insurer must pay or deny any claim no later than 90 days after receiving the claim
D - A property insurer must transmit claims payments directly to the primary policyholder