25. You've presented a claim to your insurer and are extremely dissatisfied with how your claim is being handled and now believe that legal action is necessary. Which of the following acts by the insurer will give you reason to sue in most states? a. The insurer has taken a week to respond to the letter you sent them advising them of your loss. b. The insurer will not let you be present when they interview other people associated with your claim. c. The insurer denies that your policy includes coverage for your claim when coverage is provided. d. The insurer has moved its home office to another state