> Some of the point of insurance is cost sharing of extreme events. I guess this borders on a philosophical point, but I don't agree. car insurance is not (or

> Some of the point of insurance is cost sharing of extreme events. I guess this borders on a philosophical point, but I don't agree. car insurance is not (or shouldn't be, imo) a payment plan for likely crashes. if, for whatever reason, a person's reaction times are so slow that they would be priced out of insurance entirely, they shouldn't be behind the wheel at all.