Alright, here's the deal. You pay us some money each month. If you get in a car accident, we'll give you some money back. But it's also going to be a nightmare of phone trees and paperwork to get it processed. Then we're going to charge you a little bit more money each month to get back the money we lost. Then you'll continue to pay us as normal.

Oh, and you're legally required by the state to purchase our product if you want to drive your private automobile.