Car insurance isn't really that bad. It's often moderately expensive, because cars are expensive and we drive a lot. Michigan, in a big populist maneuver, got

Car insurance isn't really that bad. It's often moderately expensive, because cars are expensive and we drive a lot. Michigan, in a big populist maneuver, got rid of requirements for unlimited personal injury protection (with lifetime medical payments). Drivers are happy, as the risk they take when they hit the road has been transferred to Medicaid. It's not quite the libertarian victory the Republicans that back it are claiming, shifting from a required user fee to a public payor of last resort. (It's more consistent for Democrats, moving a cost that disproportionately impacts lower income people to a public funding model)