Car insurance isn’t efficient nor effective. It’s a complete ripoff.
Go file a claim, see how much grief they put you through. Every claim I’ve ever made, I’ve had to file a complaint with the state insurance regulators to get my insurance company to reimburse me (and I’ve never been at fault).
Insurance is the problem for both cars and health. They artificially inflate pricing for both, because they get to determine what is paid and at what rates (especially for health care).
It’s why you hear stories of things like tylenol at the hospital being $10 a pill. Since insurance may only reimburse the hospital at 10% of the filed claim, the hospital increases the cost 10x. (It’s more complex that this, it’s why medical coding is a specific job now, finding ways to code things to get sufficiently reimbursed).