Exactly, you have provided beforehand for an eventuality you know could happen but don't expect to happen.
I'm now a little puzzled.
The driving analogy states that every possible precaution has been taken to avoid an accident. [That would be contraception}. Due to the nature of driving, an accident can still happen, and in this case it does. [Some failure of contraception.] The driver is not responsible for the accident in any way othere than by driving at all. [Same for pregnancy, other than by having sex at all]. Nevertheless, some damage has been done and this is is allowed to be fixed. That's what insurance is for. [Insurance = abortion, but in this part of the analogy you don't want the damage to be fixed.]
If you agree with the analogy (you said "exactly") then you agree with all the abortion related parts of what I wrote, but I suspect you don't.
Let's see how the driving analogy might not totally fit.
How to avoid the accident entirely: Don't drive at all. [Abstinence]. In our society it is not reasonable to ask people to avoid driving totally. That might be OK for those living in New York City, but generally not. I suggest that the same applies to sex. I think you will disagree here.
Insurance = Abortion. The objective of insurance is to put the insured person back in the same situation as she was before the accident. [The car is now working perfectly. The woman is no longer pregnant]. You will say the two cases are different in this respect. Fair enough, but if you accept that the driver/woman is not responsible for the accident/pregnancy (by following my logic) then you have to establish why the "insurance" is allowed in one case and not the other.
To save us getting off track, this is about responsibility for an "accident" where the person involved made every effort to prevent it, not other aspects of the discussion.