The biggest thing with auto insurance isn’t covering your car, it’s covering the cost of whatever you hit sueing you.

Your car may only be worth $3,000, but if you hit a pedestrian and they require a dozen surgeries and are wheelchair bound for life, you bet you’re ass you’re getting sued for a few million in medical costs.

In a reasonable country, those medical costs would be free, but since they’re not you need some sort of protection against once accident bankrupting you in civil suits.

I never really thought about that before. That’s probably why america hasn’t had healthcare for all, the insurance companies are lobbying (bribing) the shit out of the republicans.
Health insurance companies are lobbying the shit out of both parties. Car insurance companies would love universal healthcare. It would drop their outlays which would increase their profits.
Maybe you’re right and I’m wrong, that would make sense.
I have no insider knowledge, that’s just my bullshit take.