Byrd Company reimburses its employees who use their personally owned cars on company business on a mileage basis. However, employees who do a lot of business driving in all kinds of weather are concerned about the possibility of a large lawsuit if they are involved in an accident while on business. Byrd is weighing the advantages and disadvantages of adding the "employees as insureds" endorsement to its business auto policy. Which one of the following is not an advantage?

$($Search Chapter $5)$

a$.$ Better cooperation likely between the employee's insurer and Byrd$\text{'}$s insurer in settling an accident claim

b$.$ Change in Byrd$\text{'}$s business auto policy premium $.$

c$.$ Effect on employer$/$employee relations

d$.$ Reduced likelihood of subrogation by Byrd$\text{'}$s insurer against an employee who causes an accident