Wrong. Although this is not all that it covers, an auto insurance policy is issued primarily to reduce or eliminate PERSONAL RESPONSIBILITY for an accident. This means that almost anything you could be held personally liable for after a car accident is the insurance company's responsibility up to the limits of your policy. Injuring someone in an accident does make you responsible for pain and suffering, like it or not. If all that the insurance company had to do was pay medical bills and replace damaged property, then how do you propose they would handle it if someone were killed in an accident? Pay for the funeral and replace the car? And insurance rates aren't high here. They can be if you suck at driving, think insurance fraud is cool, or have bad credit. Try getting insurance in New York.
Sorry, but your post was probably the most ignorant and insensitive thing I've seen here in a long time; that wasn't written by a guy with a turbocharged Colt, anyway.