States probably require liability insurance, but don’t care if you can’t pay for damage to your own vehicles.

No.

Can’t they just decorate them with fridge magnets?

But is the software written by developers with access to the outside and daylight? Even if they prefer to shun it and choose blackout curtains.

Before even getting to documentation, I see so many projects that don’t have a short summary of what they do (and maybe what to not expect them to do).

As an example, Home Assistant. I can tell that it involves home automation, so can I replace Google Home with it? It seems like it doesn’t do voice recognition without add-ons and it can work with Google Assistant. Do I still need accounts with the providers of smart appliances, or can it control my bulbs directly?

None of that is very clear from the website.

I’ve seen plenty of other projects where it’s assumed there’s no need to explain it’s overall purpose.