19. Which of the following statements is true about no-fault laws? a. Under these laws, benefits are provided by insurers with regard to the one causing the accident. b. Under this concept, first-party benets such as PIP are provided with regard to fault as a way to encourage legal battles. c. According to this concept, in a multi-car accident, each injured party would receive compensation from his or her own insurance company. d. Under this concept, it would be mandatory to expend resources in determining fault. e. These laws are uniform