This is what regulation is for
This is just one of these things that can't be left to the industry as it isn't today either. What a third party insurance (I think that is what you call it at least) covers is defined by the government, or rather governments, and not the insurance companies. Whether this the insurance comes from the car company itself or an insurance company should not really matter. And we can easily see that we will be required to keep the third party insurance regardless do have an insurance company cover us for any liability that the car company manages to put on us in the legally dubious EULA.
Biting the hand that feeds IT
