I don't pretend to think it makes any sense, either.
But sometimes, things just have to exist in order to be made fun of by late night hosts. You know, like Florida. And man alive, have they been knocking it out of the park with Capt. HPV, his mid-sized sedan of sin, and the woman who suffered bodily harm inside his vehicle! Glorious!
Given that it's Geico, I'm still waiting for one of them to bust out the ol' "15 minutes or less" punchline, but so far, I haven't heard it.