The filing a report becomes paper work to get an abortion.
Edit: Also, I don't know if requiring a police report counts as sensible. There are legitimate reasons a woman my not want to file a police report: they don't want to make trouble with the rapist (boss, parent etc), they were raped by a cop.
Is it as hard to prove someone intentionally damaged there car as it is to prove someone wasn't raped? If so, then yes, insurance companies are covering for intentional damage.
A better fit for your example if is the rules change so that insurance companies only paid out if the other driver intentionally rammed into you. If it was an accident all around they don't pay out. How would you enforce such a rule? You couldn't.
How do you prove sex is consensual when you can't even demonstrate which sex act caused the pregnancy?
Once you sign the papers they can do whatever they want to you.