One thing that bugs me is that it's hard to tell when/why I'd need car insurance to cover medical or wages costs vs. short term disability, long term disability

One thing that bugs me is that it's hard to tell when/why I'd need car insurance to cover medical or wages costs vs. short term disability, long term disability, health insurance, critical illness/critical injury insurance, life insurance, etc. It seems like we could easily simplify the kinds of insurances offered and what they cover to be more standardized in an effective way. And would then have less gaps. One more thing where the entanglement of workplace provided insurance benefits makes it messier too (particularly with disability insurance/benefits).