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(c) is the right answer. In the premise, it has been argued that people should be allowed to take risks if they do not harm others. But, C establishes that someone’s decision of not wearing a seat belt will harm others as well (Car owners have to pay higher premiums).
A is irrelevant as it is unrelated to the conclusion.
B is incorrect. The statement is related to airplanes and not automobiles.
D is incorrect. It strengthens the conclusion.
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