Well I heard people complain about car insurance's for years and I now personally had to deal with them, I was paying for full coverage but didn't really get full covered. My idea is to reform car insurance to where they actually fully cover when an accident happens cause i am already struggling as an American Citizen and car insurance is only covering what my car value is. I want to change it to where they fully cover the car and not just the value of it, example: I was still making payments and owed 15 thousand, they are only paying off 10 thousand of it. since we are mandated to have car insurance if we pay for full coverage each month like expected than they should cover the full amount as that would be full covered. I as an American Citizen they are a total scam and need to be reformed.