Why is this considered a theory instead of a hypothesis or a law?

Deaths by traffic accidents are more likely to occur in a. high-income countries b. middle-income countries c. agrarian nations d. poor countries e. industrialized nations

Free 20 points + brainliest to whoever answers right! in the event of a crash, personal injury protection (pip) coverage pays toward the medical costs for a. any injuries you cause to others b. any injuries that are not your fault c. your injuries if you are not at fault d. your injuries, regardless of who's at fault

What are the major trends and specialties in psychology?