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Car insurance, and all insurance for that mater, is bad for everybody but the the insurance companies themselves. Insurance costs too much, is too restrictive on who can qualify, everything causes ones premiums to increase, and most of all, even if you have insurance, when it you have a legitimate claim it will be rejected based on some legal loophole.
Unfortunately the market and business practices used by insurance companies are such that they would ideally only ever collect premiums and never pay out for claims of any kind.