[thatcat]

automobile risk avoidance is a lot less complex than health risk avoidance - a lot more people change their own oil than draw their own blood. Also, oil changes would only mitigate the risk of early engine failure which wouldn't be covered by typical policies.

[jmiwhite]

Okay, that was a bad example. I've never carried comprehensive/collision insurance, so I mistakenly thought there was coverage for mechanical failures. As you stated, this is not common.