They build these glass tower hi-rises for their corporate headquarters and they're secure them like fortresses. Funny, they must understand how many people they've pissed off, denied claims and robbed. Why do you think most people literally need a lawyer, or should have one, just to understand their contracts? From my perspective, it's obscene.
“Most people drive all their lives and don’t have so much as a fender bender.”
Whether insurance companies charge too much for what you get is certainly a reasonable argument, but your statement above is incorrect. Statistically, an average driver has 3-4 accidents over a lifetime of typical driving. I realize that may not apply specifically to you.
Buying vehicle insurance is purchasing an intangible commodity - i.e., protection in the event of a loss - which you typically buy on an annual or semi-annual basis, and which you use up every day the policy’s in force whether or not you file a claim. It’s not intended to be, nor is it sold as, a savings plan.
As far a needing a lawyer to understand an insurance contract, I can’t recall any kind of contract where I wouldn’t have benefitted from having a lawyer to truly understand it. That’s not just insurance - that’s the law and lawyers. Some insurance companies have come out with a “plain talk” policy (although I believe they still could be made more understandable).
Do people sometimes have a legitimate beef with insurance companies? Absolutely! Do people not often not fully understand what they’re purchasing when they purchase insurance? Absolutely.
I never worked for Progressive nor was I ever interested in working for them, but I know that the rank and file of any company generally has zero input on the nature of the commercials that their employer runs.