Why did the original insurers not avoid Tina's policy despite the overlap of coverage from her second policy?

The correct choice is that Tina obtained consent from her insurers. In insurance contracts, obtaining consent from the primary insurer allows the policyholder to have overlapping coverage without risking the validity of the policy. Insurers can waive their rights to avoid a policy due to additional coverage if they acknowledge and agree to the existence of the second policy. As a result, Tina's first insurer may have recognized the second policy but opted not to take action against it, indicating that they accepted this arrangement.

Understanding the functionality of consent in terms of insurance policies highlights the importance of clear communication between the insured and the insurer. If insurers have been informed and have provided their consent, they are generally bound by the terms of the initial policy, even in the presence of additional coverage. This reflects an environment where policies can coexist without conflict when insurers agree to such arrangements.