Most can probably go through life without ever having to use the insurance or be stopped by the police.

this is anecdotally super wrong.

I drive like 15,000 km a year (VERY LITTLE) - in the past 20 years I’ve hit probably a half dozen ride programs and been rear ended twice by someone else while fully stopped at a red light

While I’ve never had to actually file an insurance claim, there have been plenty of times I’ve had to present it