People don’t read their EULA agreements before they hit that OK or Accept button when they install software. People don’t read those agreements online, that they click accept to, when they sign up for social web services, or emailing services, or any other sort of service online. For that matter, most people don’t even read their credit card agreements. But with those agreements, you don’t have to understand those legal documents in order to use the product or service that’s being provided. But with insurance, the problem with skipping the agreement is this: the agreement IS the product and service! So that would be like buying a nice bottle of wine (not collectible, not particularly good even) and not using it whatsoever; not using it to drink not using it to cook. And so most people buy Virginia auto insurance plans, without actually using it. Never mind if they’ve actually gotten into an accident.