问题：
[单选题]保险事故导致被保险人保险财产损失，如果保险事故是由第三者造成的，则被保险人可以主张的索赔权是（）。
A、被保险人有权向保险代理人索赔
B、被保险人有权向保险业务员索赔
C、被保险人有权向保险经纪人索赔
D、被保险人有权同时向保险公司和第三者索赔
参考答案：
D
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