Adjuster Kerry is doing everything by the book to process his claim, but Giovanni never returns his phone calls or responds to his emails. All of the following statements concerning this situation are correct, EXCEPT:

$($Search Chapter $5)$

a$.$ Giovanni$$s failure to respond violates the cooperation clause in his insurance policy.

b$.$ If a claimant can sue an insurer that acts in bad faith, it seems only fair that the insurer could sue a claimant who acts in bad faith.

c$.$ Kerry will probably institute a tort claim for bad faith against Giovanni.

d$.$ Kerry can respond by not paying Giovanni$$s claim.