Arguments often used against no-fault automobile insurance laws include all of the following EXCEPT a. It is often difficult to determine which driver was negligent when a multiple-vehicle accident occurs. b. The defects of the negligence system are exaggerated, and the system needs only to be reformed. c. Many injured persons will not be compensated for their full losses because payments for pain and suffering will be eliminated. d. Claims of efficiency and premium saving are exaggerated, and automobile insurance premiums might actually increase.