GMAT Critical Reasoning (CR) | Re: In countries where automobile insurance includes

Hi, my choice was also D. But can some one explain it with a methodical approach. Which part is here a conclusion etc.
Below you can find my solution, please comment if there are some mistakes in the logic.

In countries where automobile insurance includes compensation for whiplash injuries
sustained in automobile accidents, reports of having suffered such injuries are twice as
frequent as they are in countries where whiplash is not covered. -->is a fact

Presently, no objective test for