Is the world becoming uninsurable?

Weird thing to note, my understanding is that at least in the US, the accident rate and overall cost for claims in Auto has gone up substantially post COVID.

Nobody's quite sure how much of it is the extended time not driving, knock-on effects of isolation, or something else [0], but it -is- something insurance companies are paying attention to from various angles.

Another factor less noted, is the challenge of insuring various parties against 'nuclear verdicts' [1], at least as far as 'is the world becoming becoming uninsurable'...

[0] - Could be anything from Visibility of Full-Size SUVs/Trucks, changes in policing of speeding, increase in vehicles with HP/weight ratios outside of experience range, long COVID, the answer isn't fully clear...

[1] - Basically, a legal gap where certain states don't cap judgements such that, in the 'intended reason' allows a clear historical negligence to increase damages, in the less than intended reason you've got lawyers going on fishing expeditions to raise their claim amount... IDK how I feel about it but am giving my understanding.