There's a way to fix the auto-insurance mess. And in many states it's now such a mess, and people are so upset, it could conceivably lead to an entirely new system, one designed to serve the public rather than the attorneys and insurance agents. You could hardly design an auto-insurance system worse than ours. With minor variations, it works the same in every state, and it favors only three groups:
-- Trial attorneys (no state has true no-fault auto insurance).
-- Insurance agents (many states actually have laws forbidding group auto policies).
-- That small subset of accident victims lucky enough...