Why are car insurance companies allowed to profit off the customer so much?

Why is this not a top domestic issue? Say you pay your allocated amount of car insurance for 20 years.. if I get into an accident why would I have to pay a deductible? Especially if the insurance company made that much of a profit off the consumer, to have the audacity to ask for a five thousand dollar deductible... or any really if you paid out more than that anyway.

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