I&#x27;ll throw my hat in the ring.  Recently had a car totaled when getting it shipped cross country.  Apparently because it was an &quot;Act of god&quot; (a hailstorm, with what looks like fist-sized-rock-hail in that every piece of glass and most trim on the car had holes in it, although I&#x27;d argue the insurance was for the idiot driver who didn&#x27;t pull over or cover his load.) the insurance company refused to do squat.  The car was only blue booked at 5k at the time, but we had to replace it with a 25k car, so I count that as a decent amount of loss.<p>To bring this back to topic, I would gladly get on board with any plan to fix &quot;insurance&quot;.  It really feels like less insurance and more government mandated protection money ; but that seems to be the fundamental problem, that reforming insurance is almost paramount to reforming finance.  How do you even begin to make headway against an entity with that much power&#x2F;influence and tentacles already so deep in these processes?<p>(edit re: protection money; the gist of it is anger that if you fall on a &quot;responsible&#x2F;lucky&quot; part of the bell curve, you&#x27;ll likely end up paying out for FAR more than you ever get back while simultaneously watching the insurance company often do everything in their power to NOT come through when they should.  In my case, I would have expected the transportation company&#x27;s mandatory liability insurance to cover this.)