You might pay premiums to your insurance agency for decades and not have an incident. Maybe you needed to get a new windshield for your car, or may be someone scraped your car in a parking lot. All those things go on your insurance record. Insurance companies decide whether to keep or drop you. Laws had to be enacted so that high risk people could get insured even if dropped by their carrier. Get hit by an uninsured driver and you will be fighting your own insurance company. If you are injured, you had better get a car accident lawyer on your side quickly.
Your friendly insurance agent you have known for years may suddenly find himself unable to help you get payments for things you need. The caps on your insurance coverage will suddenly become real when the hospital bills become due.