No private insurance company ever sells insurance by saying you can do something stupid, and your insurance covers you. In the first place, that wouldn’t be true. Any insurer denies coverage for contributory negligence. That fancy legal-ese means: if you bring it on yourself, we won’t cover you. We expect you to run your life like a responsible human being. And in the second place, any person who took the advice that such an ad gives, would have grounds to sue the insurance company, and that company’s ad agency, for giving such bad advice.
Classic insurance ads stressed risks you run through no fault of your own.
http://www.conservativenewsandviews.com/2013/11/13/accountability/executive/obamacare-ads-teach-young-foolish/ and for another take on the subject: