$1.$ Mr$.$ X purchased a new car worth RM$150,000.$ He obtained a RM$125,000$ loan from the M Bank to buy the car. Usually he parks his car in guarded places$$during work hours he parks it in the company$$s underground garage; and at night he parks it in his garage located in his house. One day, after the work he noticed something unexpected: a $$drawing$$ on his car$$s bonnet. Unfortunately, it was made by a nail. The cost of the car$$s renovation was valued at RM$10,000.$

He reported this case to the police and to his insurer, because acts of vandalism were included in his auto insurance. After a short investigation, with the help of monitoring devices installed in the garage, the police identified the perpetrator to be Mr$.$ Y$,$ one of Mr$.$ X$$s co$-$workers.

$1\mathrm{.}1$ Do any of the following parties have an insurable interest in the car at the time of loss? Explain your answer. $($Tip: please refer to powerpoint slide on $"$An insurable interest can be supported by:$"$ to guide your answers$)$

$($a$)$ Mr$.$ X

$($b$)$ Mr$.$ Y

$($c$)$ M Bank

$($d$)$ Mr$.$ X$$s company $($the owner of the garage$)$

$1\mathrm{.}2$ Identify some parties that Mr$.$ X can claim for compensation. Explain your answer.

$1\mathrm{.}3$ Based on answers from $1\mathrm{.}2,$ Mr$.$ X should claim from which party? Explain your answer.

$1\mathrm{.}4$ Could Mr$.$ X$$s insurer use the right of subrogation after paying the compensation to Mr$.$ X$?$ Explain your answer.