[will_brown]

You’re actually reiterating my point. Typical insurance, as you note, is for risks (e.g. your example of an accident). In other words insurance won’t pay out if you willfully intentionally caused the accident. Criminal acts necessarily imply intentional conduct.

The author wants to suspend imprionsment for this insurance based damages system. Between the difference in car insurance and this criminal conduct insurance I think it equals a right to commit crimes. We have a criminal and civil court system (think on OJ case acquitted in the criminal case and liable in the civil case). I think the proposal amounts to mandated “criminal insurance” which suspends then crimaljustice side of things and allows insurance companies resolve the damages from crimal acts.