What&#x27;s justice got to do with anything? Insurance is a service, offered by a private entity to a private entity. You pay more in insurance than you&#x27;re expected to pay for damages over a lifetime, but you get the peace of mind that comes from knowing you&#x27;re not going to be bankrupt by an accident.<p>Sure, most industries benefit from a bit of regulation, but from that to &quot;justice&quot; is a long road.