Great that Capri will attempt to answer some of the questions but I wouldn't overthink it too much - it's $100 for the policy. If it was $2000 and there was a lot of competition out there I'd spend more time analyzing it. Consider it a really big bonus if you manage to get yourself into a jam and the insurance company spends huge sums of money to help you out. Or takes a minimal sum of any judgment you might receive. This has nothing to do with Capri who I am sure are great folks but they are middlemen selling the policy. At the end of the day the owners of the insurance company, rich, privileged folk are going to keep as much of that money in their pockets as possible. If they aren't in business to make money, they are going to be out business. I own a policy for the record.