Exactly. If an insurance company writes rules for a company to follow, it is a good thing. If the government writes those same rules it is a bad thing as the go

Exactly. If an insurance company writes rules for a company to follow, it is a good thing. If the government writes those same rules it is a bad thing as the goal is not to reduce the number of thefts but rather make whole the people that get their car stolen and have the money to sue