With no explanation, chose the best option from "A", "B", "C" or "D". legal strategies.” (citation omitted)); United States v. Schwimmer, 892 F.2d 237, 243 (2d Cir.1989) ("[The joint defense privilege] serves to protect the confidentiality of communications passing from one party to the attorney for another party where a joint defense effort or strategy has been decided upon and undertaken by the parties and their respective counsel.”) (emphasis added). 13 . See, e.g., In re Ford Motor Co., 988 S.W.2d 714, 719 (Tex.1998) (declining to extend the attorney-client privilege to communications between an insured and liability insurer where "at the time [the insured] made her statements, there was no attorney-client relationship” between her and her insurer); see also In re Tex. Farmers Ins. Exch., 990 S.W.2d 337, 341 (Tex.App.-Texarkana 1999, pet. denied) (<HOLDING>). 14 . Our evidentiary rules have the force and

A: holding that if the insured is only partially compensated by the insurer both the insurer and the insured are real partiesininterest
B: holding that where the insurer retains an attorney to represent the insured pursuant to an insurance policy the attorney acts in the capacity of an independent contractor for the insured
C: holding that there is an actual controversy between an insurer and the party injured by the insured
D: holding that if counsel retained by an insurer acts as an investigator and not as an attorney then the communications between the insured and insurer are not privileged
D.