You have a point. At the same time insurance companies are getting out of insurance because they can't afford it. Apparently (I didn't verify this), the cost to repair cars has gone up so much that the economics don't work out. So they're leaving the market. Maybe less crashes would bring them back?
I believe in CA, the reason for pulling out is that CA limits the amount the companies can increase premiums[1]. So less crashes is one way to bring them back. Allowing them to increase premiums more is another way to bring them back.
Pick a source: https://www.google.com/search?q=car+insurance+companies+leav...