I would assume that you cannot merely walk in to the nearest Apple car store and get a new car the same day if something bad happened to your car, so I don't really understand your statement as there is no equivalency here to exploit in your analogy.
I mean, you can go get a new car the same day, hence rental places while insurance figures everything out.
How about this, I'll pick a random day in your future while you're out doing stuff to show up and break your phone in half. How much is that going to ruin your day?
Who owns a $2,000 phone which isn't insured and should they really be leaving their house?