Most accidents are caused by driver error and switching off a safety feature is just another error.
Sometimes LKA is not a safety feature, but is itself a hazard.
The manual for my car lists a whole load of situations when LKA must be switched off. These include when it's raining, temperature is below freezing, the white lines are difficult to see, there are roadworks, the car is being driven on any road other than "highway or freeway" (presumably means trunk road or motorway), when the car is towing a trailer.
If the LKA was switched on in any of those situations and I were to have a crash, I could see insurance companies and police considering that in a similar way to using cruise control in unsuitable conditions.
That list of times when LKA must not be used accounts for about 75% of the time when I'm driving. I have tried using it in the remaining 25% of situations, such as in a dry motorway and it does work correctly, making the car feel as though it's driving in shallow ruts which keep it in the centre of the lane.
Fortunately on my car, the system remains in the state it was last in rather than defaulting to "On" every time I start the car, so reality I rarely use it. However, for a system which looks like (by the manufacturers own instruction) it should be switched off more often than it is on, having this default to on every time the car is started seems a bad idea.
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