FrozenFireFairy asked:

I talk about minimal stuff and then get to car insurance and war and something else. I forgot what.

Loreleila asked:

The way the law is set up the injured, and often innocent party, is forced to fight for their basic rights, which they are unlikely to get, whereas the perpetrator is likely to have to make no efforts at all, the worst possibility losing their no claims bonus. Due to our legal obligation to have car insurance (which is of course wise) with a lack of adequate regulation or law to force these greedy companies to treat their customers with respect and fairness they will continue to be able to rake in billions and pay out the bare minimum which is frequently not even honest, since their systems are designed to serve their own interests. This will not change unless we make it clear it is unacceptable.