Ron Barrington carries a $400,000 open insurance policy with Integrodon Property Insurance and a $100,000 open insurance policy with Segurimax Property Insurance. These policies cover a house that is worth $400,000. Each carries a pro rata clause. The house is completely destroyed when a meth-addled helicopter pilot crash-lands into the portico. The pilot, Dean Sweeney, survives the crash. Barrington immediately files a claim with both insurers. Integrodon immediately pays what it owes. Segurimax, on the other hand, puts Barrington off for years by pretending that Barrington's phone is dropping calls and that his written correspondence is being lost in the mail.
Which of the following is true regarding the insurers' relationship with Sweeney?
a-The insurers may sue him by the right of subrogation.
b-The insurers may sue Sweeney, but they may not seek punitive damages.
c-The insurers may not sue Sweeney under any circumstance.
d-Only one of the insurers may sue Sweeney. Otherwise there is double jeopardy.
e-The insurers may not sue Sweeney unless Barrington authorizes it.