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How can so many people be so stupid? That is my honest answer.
Facts!
When is it all going to go kaput because of Global Warming and rising costs?
Fun question to think about. As sentient beings, I do not think Transformers would have auto insurance. Some become cars to blend in. Others take the form of other modes of transportation (planes), animals, or inanimate objects.
Underwriting could be challenging, given their relationship with the, their tendency for destruction, and lifespan of millions of years.