Which one of the following would likely be an unacceptable practice under most states' unfair claims practices act?
A. A claim representative realizes that a homeowners property claim will be large and also that the insured needs funds immediately to buy necessities, so he gives the insured a partial advance payment on the claim.
B. A claim representative is asked by an insured if a claim is covered by the policy's liability coverage and the claim representative responds "no" even though he knows it is covered elsewhere in the insured's policy.
C. A claim representative reviewing a claim is unsure of the coverage and waits until the following day to respond to the insured so that he has time to check the coverage with his supervisor.
D. A claim representative receives two estimates on the damage to an insured's vehicle and pays the higher of the two estimates because he believes the lower estimate might not be correct.