You make a good point. The government should not impose rules about what companies do and also the government should hold companies liable for what they do, which is a different thing from having rules
Yes, im not saying you shouldnt be able to sue. Im saying the government shouldnt set a magic bar that if companies hurdle they are without fault.
Exactly. If an insurance company writes rules for a company to follow, it is a good thing. If the government writes those same rules it is a bad thing as the goal is not to reduce the number of thefts but rather make whole the people that get their car stolen and have the money to sue