I've seen no assertions either way on whether the Frost's vehicle insurance met the legal minimum requirements.
That said, they could have had much more than the legal minimun and it still would not have covered medical treatments for two people with severe brain injuries.
And the other "car" was a tree.
A catastrophic insurance policy (not health insurance) would only cost $472/per month.
I still feel that the assets should be counted toward eligibilty for all government programs. I am for “means testing.” Once assets (included in networth, which means wealth) have been exhausted then help should be available.
It isn’t right to take others property (through taxation) to preserve their property.