Last thing:

I think its naive to believe that things will be better by changing the system, when people are the problem. In cases of crime and being property defended, the issue is that most people think the defendant is guilty merely by being brought into a court room. This belief wont change just by having companies with insurance plans or whatever. People will still have the belief that the person is a criminal, and isnt entitled to jack shit. That will negatively impact the fairness of anyone insured.

Just like an asshole playing clue is still an asshole when he plays monopoly. Game changes, players stay the same.