All of the following are arguments for no$-$fault automobile insurance laws EXCEPT

Seriously injured accident victims tend to be overcompensated, while those with small economic

losses are inadequately indemnified.

No$-$fault is unnecessary as it's easy to determine which driver was negligent when a multiple$-$vehicle

accident occurs.

There are delays in compensating accident victims under the tort system.

A large portion of each premium dollar is used for purposes other than compensating accident

victims for their losses.