You're not supposed to look at it as giving the government money in the form of insurance rates although that is largely where a lot of the monies of the premiums are dispersed, between the government the corporate execs and stockholders. The premiums are supposed to be invested to create large pools of funding to be paid out in the event of accidents. The government's involvement in anything and everything is supposed to be secret in order to perpetuate the wealth of the ruling elite.

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