Rule

Car insurance is in place of health insurance, not life insurance

They live in a society where these things are taken care of by taxes, without greedy for-profit middlemen.

They live in a theocratic utopia, where god (the all spark) provides them with everything. They prolly dont even have money, let alone insurance.

“We’d like to talk to you about your expiring warranty on your autobot”

What about cars in the movie Cars

Better get both, just in case. Proceeds to get denied by both, after taking payments for years.