Collision insurance, the kind that pays for damage to the policy holder’s car in the event of a crash caused by the policy holder or an authorized driver of their car often more than doubles the overall cost of insurance. Collision insurance is usually optional when there’s not a loan.
No, because I can’t use it on entirely thord-party infrastructure and interact with BlueSky users. It should be possible in theory, but if it was practical in reality, somebody would be doing it.