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

Responding to a pm:

The answer is (D) and not just by using POE but it makes perfect sense (also, it is an official question and the answers in those are not debatable)

Let's write the argument in our own words:

Some countries do not have compensation for whiplash injuries. There, say x whiplash injuries are reported every year.
Other countries have compensation for whiplash injuries. There, 2x whiplash injuries are reported every year.
Now, don't jump to the conclusion that half the reported cases (the extra x) in these countries are spurious - they are there just to get compensation.