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i do heard that some countries do insured this kinda thing..but not here in malaysia..
The Insurance company will go bankrupt. Malaysia has become a high crime state that's the reason BN inorder to gain some sympathy from the people create slogan to fight crime, how many years we independent yet the crime is rising each day, outlaws has become more merciless these days and innocent ppl. risk their life each day even walk in to assist in corruption (TBH case) and police station (Kugan) your own personal safety are not compromised.
If you look at JB today, it has now become like the new Shanghai shore, many gang has established and vice activities become abundant. There are basically legal syndicate needless to say who are they, and illegal syndicate.
Sadly many Malaysian are still ignorance, i guess nothing much you can do now, except modifying car, and wait for criminal to knock on your door. If it really come then bad luck, if not then you can continue to eat rice and drink.
There is no revolution in Malaysia as time passed laws are been interpreted to certain party advantage e.g. Perak case. Even today there are many legal syndicates, it will soon take over, and Malaysian will lived in fear, your children especially girl, and your wife. All these Parang wielding thugs are everywhere, there are hidden inside bonnet, anytime it can come.