Car Insurance

NJ's insurance issues stem from the government letting the people pass insanely stupid laws that ran any decent insurance company out of that state.
Unlimited liability payouts for ANY injury? The state and anyone who voted for it deserved what they got.

Auto insurance is just the many taking the hit for the few, nothing more. It is the closest thing to an altruistic business model as I can think of. Especially those that are owned by the policy holders who get dividends.
People bitch until they need it, then most want to try to cheat the system and make money off of their accident. Joke.

In most states you can self-bond and insure yourself for as little as K.
Once explained what this means, actually taking the RISK yourself, suddenly the auto insurance industry does not sound so corrupt to those idiots.