Insurance won't get you out of jail or pay your fine for you. But your point is valid for civil damages, like getting sued by the family of the pedestrian you j

Insurance won't get you out of jail or pay your fine for you. But your point is valid for civil damages, like getting sued by the family of the pedestrian you just killed with your truck. I wonder how much of an effect those hypothetical lawsuits have on downstream insurance premiums — anecdotally, it hasn't stopped the F-150 being the most popular car in North America.