> You would need a prove for the statement that higher car insurances are themselves a cause of poverty. Maybe higher car insurances make poor people less likel

> You would need a prove for the statement that higher car insurances are themselves a cause of poverty. Maybe higher car insurances make poor people less likely to get a car, and they end up richer because they don't waste time in useless holidays that would've made them poorer. I definitely didn't make such a claim. If I communicated unclearly I apologise. I merely made the point that insurance premiums are regressive, in that you'll generally pay less as a richer person, as you (and others like you) do not need to claim for small issues with your car. More claims = higher premiums.