You’re just shooting the messenger. The insurance companies don’t really make huge profit margins. There are also many mutual insurance companies that are non

You’re just shooting the messenger. The insurance companies don’t really make huge profit margins. There are also many mutual insurance companies that are non-profit. If they’re raising rates dramatically it’s because the risk is higher. Now, at a societal and governmental level, that is absolutely telling you that you should be looking at what mitigations are possible.