Mechanism-first reasoning.
Start from the energy involved. An RTA in a belted passenger generates a flexion-distraction force: the lap belt anchors the pelvis while the trunk jack-knifes forward. The axis of bending lies anterior to the spine, so the whole vertebra is pulled apart from back to front.
Translate the force into a fracture line. When a vertebra is distracted in this way, the failure runs horizontally through all three columns - spinous process, pedicles and body - in a single transverse plane. That injury has a name: the Chance fracture (the "seat-belt fracture"), most often at the thoraco-lumbar junction.
Check the clinical clues. The patient has only back pain with $no$ neurological deficit. A Chance fracture is often a bony, ligament-sparing injury that can be neurologically intact, so this fits.
Eliminate the rest:
• Spinous-process fracture = an isolated tip avulsion, not a transverse body split.
• Compression/wedge fracture = pure axial-load anterior collapse, posterior elements intact - wrong mechanism.
• "Fracture of base of vertebra" is not a defined seat-belt pattern.
Answer: the horizontal seat-belt distraction injury is a Chance fracture (Option D).