And what Lobby put the pressure on to get these laws passed?
Various lobbies; the insurance industry amongst them. Of course like any industry they are going to try to use governmental action for advantage. So do car makers, lawyers, hospitals; the problem is that government has the power to make such laws in the first place, IMHO.
Let the market decide, after all it turns out that (many) people will spend *more* for an airbag, for example, not to argue the efficacy of any such things, merely the principle that once government can regulate something that pressure groups will arise to manipulate government regulation of that something.