An Individual insured a vehicle for personal use. Later, the individual decided to use the vehicle as part of a business, In these circumstances, the individual: Select one: a. must disclose this to the insurance company because there has been a material change in the risk. b. can wait until the next policy renewal to disclose this to the insurance company. c. must disclose this to the insurance company because morally it is the right thing to do. O d: can keep this a secret from his insurance company. Clear my choice