A Client Has Sustained an Injury in a Road Traffic

A client has sustained an injury in a road traffic accident. Which of the following is correct?

A) The cause of action will be against the other driver.
B) If the person who is alleged is responsible for your client's injury is insured, the cause of action will be against their insurer because they will pay any damages awarded to your client.
C) The cause of action will be against the person who your client alleges has been negligent and the negligence has caused the injuries your client has sustained.
D) Where your client claims that he was driving perfectly safely, the cause of action will be against the driver of the other vehicle and any passengers in that car as at least one of them has been negligent and at this stage you do not know who was.