Nah, I'd expect under this model insurance would become readily available. Insurers live on the margins, so even though it would cost a lot of money if you cras

Nah, I'd expect under this model insurance would become readily available. Insurers live on the margins, so even though it would cost a lot of money if you crash that boring mid-range car into somebody's house, the insurer doesn't charge you a lot of money to insure you against that risk, they're betting that on average you're not going to do that. As a safeguard they probably don't insure kids who just got bought a Ferrari as their first car, or anybody who has just done time for crashing their car into a house on purpose, but mostly they're just playing the numbers.