Insurance is a scam 😏 it sounds good on paper to mandate but under capitalism, they're a business in the pursuit of profiteering like any other so it would behoove them to only cover the least amount of liability so that people are continuously dumping money into their void for the "what if" scenario. If they paid out for everything they're supposed to, they'd go belly up, especially under multiculturalism where the melanin stricken are busy deconstructing the country into a 3rd world hellscape