OG11-18, 谁能帮着解释

18. Opponents of laws that require automobile drivers and passengers to wear seat belts argue that in a free society people have the right to take risks as long as the people do not harm others as a result of taking the risks. As a result, they conclude that it should be each perosn's decision whether or not to wear a seat belt.

Which of the following, if true, most seriously weakens the conclusion drawn above?

Answer B: Antomobile insurance rates for all automobile owners are higher because of the need to pay for the increased injuries or deaths of people not wearing seat belts.

OG的解释有点模糊，谁能再解释一下？

那B选项和E选项好像也没有什么区别嘛

(E) In automobile accidents, a greater number of passengers who do not wear seat belts are injured than are passengers who do wear seat belts.

这里E选项里也主要强调的是passengers啊，而B选项上increased injuries or deaths of people not wearing seat belts.我觉得也是指的是没带安全带的人啊

还是有些不解