I don't know if it is fair to expect people to know the specific details of their auto insurance at the drop of a hat. Most people will go years if not their whole lives without an auto incident, so other than paying their insurance bill they don't need to know what cover age they have, aside from deciding it is sufficient when they initially sign up.
Speaking only for myself, there's a big distinction between knowing the BASICS of the coverage you have and knowing the details of policy exclusions and exceptions.
For example, all but a couple states require liability coverage, and I think most folks understand that there are three aspects to that: the amount that the policy will pay for injuries to a single person, the amount the policy will pay for all injuries occurring in a single incident, and the amount the policy will pay for property damage (e.g., $100k/$300k/$100k). Most folks probably don't know that one of the biggest benefits of liabiltiy coverage is that it will pay for an attorney to defend you if you get sued as a result of a covered incident. What baffles me is that a lot of folks who only have minimum liability coverage don't seem to understand that liability coverage doesn't do squat for you in terms of your own car or if someone else is at fault.
I don't think it's too much to expect folks to know whether they only have liability or whether they also have comprehensive and collision coverage. You should also know if you have uninsured/underinsured motorist coverage. Same with rental car coverage (something everyone should have, by the way, because it's really cheap). On the other hand, I would never expect the average person to know the details of policy exclusions and exceptions (although you can bet that any insurance adjuster you deal with will know about them).
As far as all the probate stuff, I had my mother and two sisters die in the span of 21 months in 2007-09. Each of them had a very different situation. One sister had a full estate plan (trust, will, etc.). My mother had a will only. My other sister had no estate planning. Each had what was needed for reasonably smooth administration based on assets and dependent status. In other words, not everyone really needs a will, and definitely not everyone needs estate planning beyond a will. And all the stuff about how, "IF YOU DON'T HAVE A WILL, THE STATE DECIDES WHO GETS YOUR STUFF WHEN YOU DIE!!" is nothing but panic-mongering IMO. The best thing anyone can do is consult with a probate attorney for a review of his/her situation so as to make an informed decision.