Except that the insurance market is also flawed. For example, some payouts are capped by law. So it's likely that premiums are lower than they should be. https

Except that the insurance market is also flawed. For example, some payouts are capped by law. So it's likely that premiums are lower than they should be. https://www.economist.com/united-states/2024/01/18/why-car-insurance-in-america-is-actually-too-cheap https://www.economist.com/united-states/2024/01/18/why-car-i...