Well how much do you have to lose? Let’s say you do cause an accident with 500k bodily/psychological trauma. The insurance company will throw up its arms and cut you a 100k check. You are on the hook for the rest. You can lose your house, 401k, savings etc.
I'm in Washington and have multiple lines of service with them - three cars, a house, term life insurance. That could be why. No accidents or tickets in over 20 years either. And now I've just jinxed myself.