Kate was an innocent party in an automobile accident. Her vehicle was destroyed. As a result, Kate's Personal Auto Policy insurer paid Kate the value of the car, less a deductible. Kate now has a claim against the negligent party for the deductible only, because:

a. The insurer has subrogation rights to Kate's claim.

b. No-fault laws in every state require such claims be made against one's own insurer.

c. Negligence applies only to bodily injury claims.

d. The negligent party must have been uninsured, Kate's insurer paying under Part C.

e. None of the above.