Gibson Mutual Insurance Company, domiciled in State “M,” issues a policy that provides other states insurance coverage that applies to a claim in Iowa, a state where it is not licensed. Under these circumstances, most likely

a. Gibson Mutual will pay the claim and seek reimbursement from the insured.

b. Gibson Mutual will have no obligation to pay the claim.

c. the insured will have no obligation to pay the claim.

d. the insured will pay the claim and Gibson Mutual will reimburse the insured.