Insurance as a whole should be a sort of “public union” thing. No profit motive, everyone who participates in something like driving has to pay some fee for insurance, maybe along with things like registration. Ideally along with massive improvements to public transit.

The concept of private insurance under capitalism seems at odds with itself. You have to pay out a good chunk less then you take in to turn a profit, and the best way to do that is be useless and fuck over your customers. (With health - Cigna was supposed to cover my top surgery. Pay for it up front be reimbursed reimbursed later. Then, later, it turns out that my employer specifically included a rider that excluded it. I’ve talked elsewhere about how I’ve paid CareCredit back.)

I don’t know if we should nationalize auto insurance without doing health insurance first though. Would the government be negotiating deals with mechanics? I think hospitals have structures that are easier to unionize and generally smarter/kinder folks than the general population. Mechanics tend to skew the type that’d get upset over navigating fender bender payouts with Uncle Sam, probably going to be harder to get to understand that their labor rights are good things.