All of the following are correct with respect to the elements of good-faith claim handling, EXCEPT:
A. Consistent supervision, thorough training, and manageable caseloads help ensure that claim representatives are able to handle claims in good faith.
B. If the insured has excess insurance, the claim representative should notify the excess insurer of the claim and provide the insured with copies of all communications.
C. When resolving a coverage question, insurers should avoid the appearance of bad faith by dealing only with those lawyers hired to defend the insured.
D. Claim representatives should use policy provisions, such as arbitration clauses, when applicable to resolve disputes over the settlement amount.