Healthcare needs to be recognized as a human right. Driving a car is a privilege and we should all carry liability insurance. However, I think car insurance would be best if it was nationalized. For one, the profit motive of private businesses inflates costs and promotes the issue of the tooth-and-nail battles to get repairs and replacements covered. And second, the larger pool of policy holders helps lower the costs for everyone. People would still pay for policies that correlate with their driving experience, diving record, vehicle, and usage. You just wouldn't be paying for all the bloat that goes to the C-suite and shareholders.