Bernice is a claim adjuster with Insurance Company (IC). She has been assigned a liability claim against IC's policyholder, Garth. The claimant, Calvin, alleges that while at a party hosted by Garth, he became uncharacteristically intoxicated due to the strength of the drinks Garth was mixing and serving. As a result of his intoxication, he fell down the stairs at Garth's house, breaking his back. The injury has left Calvin paraplegic. In Bernice's opinion, Garth is fully liable under state law for Calvin's disability. Which one of the following statements best describes Bernice's responsibilities in this situation? Select one: A. She should consider and evaluate Calvin's pain and suffering, and make a fair offer in settlement of the loss. B. She should pay Calvin enough to prevent him from filing suit and causing the insurer to incur extensive legal expenses. C. She should consider the case from the perspective of IC, which wants the claim resolved for the least amount possible. D. She should discuss the claim with Garth and determine how he would like to see it handled in terms of settling or going to court