Not every accident is caused by negligence. Sometimes a true medical emergency occurs. Something really unexpected. Sudden.
In a case we are currently handling a car insured by GEICO caused massive damages here in Fairfax County. Geico does an "investigation" and says "we aren't going to pay the claim because we think the accident was caused by a medical emergency.
"OK", we say. "Show us the data." Release the records to us.
"Nope" says Geico. "Confidential." Can't do it.
Geico might be right or they might be wrong but they have guaranteed that their insured will now become a defendant and have a lawsuit on their record.
Gee, what if Geico was your insurance company?