The AAA analysis is a misleading sales document which fails to factor in risk, pretending that the insurance they're trying to sell you is sufficient. It doesn

The AAA analysis is a misleading sales document which fails to factor in risk, pretending that the insurance they're trying to sell you is sufficient. It doesn't take into account things like lost wages and other opportunity costs, catastrophic injuries, denied or underinsured claims, and so on. The MMM article makes exactly this point -- it is hard to calculate the cost of driving. We're even failing so miserably in this thread...