Mr$.$ Brown has his personal auto policy with ABC Insurance Company. One day, Mr$.$ Brown is driving behind Ms$.$ Black. Ms$.$ Black stops at the stop sign, but Mr$.$ Brown does not and hits the rear of Ms$.$ Black's auto. The parties to this claim are:

$($Search Chapter $3)$

a$.$ First party$-$ABC Ins.; second party$-$Mr$.$ Brown; third party$-$Ms$.$ Black.

b$.$ First party$-$Mr$.$ Brown; second party$-$Ms$.$ Black; third party$-$ABC Ins.

c$.$ First party$-$Ms$.$ Black; second party$-$ABC Ins.; third party$-$Mr$.$ Brown.

d$.$ First party$-$Mr$.$ Brown; second party$-$ABC Ins.; third party$-$Ms$.$ Black.