The back bumper and trunk of Charlene's car are damaged when Fred fails to stop his car and collides with her. Although Fred is at fault, Charlene's insurance company pays to have her car repaired. Charlene's insurer can now

A$)$ assign future damages covered by Charlene's policy to Fred's insurer under the concurrency clause

B$)$ take Fred to court under the loss payee provision

C$)$ seek to be reimbursed by Fred's insurer under the right of subrogation

D$)$ acquire Fred's policy and any past premium payments he has made on it under the rule of apportionment