You Can’t Afford an Accident Anymore (The Roman Report)

Car insurance has reached a breaking point.

Premiums are exploding. Deductibles are higher than ever. More drivers are going uninsured. Not because they want to, but because they can’t afford not to.

In the final Roman Report of 2025, I'll break down how rising insurance costs, higher deductibles, total-loss decisions, and uninsured drivers are turning everyday driving into a financial risk that borders on an outright crisis.

This isn’t about bad drivers or reckless choices, but about a system that increasingly punishes the people it’s supposed to protect.

If you drive, this affects you.

For more on the changing automotive industry landscape, check out these in-depth videos:

Americans Don't Trust Auto Mechanics (The Roman Report):    • Americans Don't Trust Auto Mechanics (The ...  

Car Payments Are Out of Control (The Roman Report):    • Car Ownership Is Cooked (The Roman Report)  

The Subscription Crisis (The Roman Report):    • Car Ownership Is Cooked (The Roman Report)  

The Auto Loan Struggle (The Roman Report):    • Auto Loans Are Crushing Americans (The Rom...  

Repair Rights Are Under Attack (The Roman Report):    • Repair Rights Are Under Attack (The Roman ...  

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Timestamps:
00:00 What’s Even the Point of Car Insurance Anymore?
01:35 Roman Report Theme
01:44 Car Insurance Is Way Too Expensive
06:29 How Driving Without Insurance Ruins Your Life
11:01 The Math That Decides Your Car’s Fate
13:26 The Supply Shock No One Talks About
19:35 How the Healthcare Crisis Punishes Drivers
24:37 Signs That the Tide Is Turning
25:57 The Policy You’re Punished for Needing
30:51 Sources and Photo Credits