Car insurance is much simpler than health insurance. Still, I expect most people without car insurance are poor, and the reason they don't have it is not simply a lack of money but also (and relatedly) a lack of time.

Generally yes, poor people are less capable of gaining the "expertise" to do many things, because they are busy trying to stay alive. It's textbook hierarchy of needs.

Noticed other replies; why the fixation on car insurance? I thought we were talking about structural impediments to poor people?

This is the comment I'm responding to:

>Consider how much time, energy, and expertise it takes even to research disability insurance and buy the appropriate product.

This is in the context of a discussion about starting your own business. If you're on the tier of hierarchy of needs where you're struggling for food, then sure, maybe you shouldn't be starting your own business at this point. However, if you have the intellectual capacity to buy car insurance, and also are in a position to be starting your own business, you almost certainly have the cognitive ability to purchase disability insurance.