Murphy was driving a friend's Audi when the car was involved in an

accident. Murphy promptly reported the accident to Murphy's insurance

company. In verifying coverage, claims adjuster Kelly recognizes that the

friend who owned the Audi might also have had applicable coverage. If so$,$

the other insurance might apply on any of the following bases, except

$($Search Chapter $4)$

a$.$ excess.

b$.$ fundamental.

c$.$ primary.

d$.$ pro rata.

A nonwaiver agreement is signed by

$($Search Chapter $4).$

a$.$ an insurance company representative only.

b$.$ both the adjuster and the insured.

c$.$ the insured only.

d$.$ the judge who approved it$.$