In addition to what everyone else said, property damage is a big part of it as well.
Let’s say you run into a building and knock out a load bearing wall. Or plough through a business or government office. It’s not impossible to rack up a couple million in damages if you crash bad enough.
Even in countries with universal health care surgeries aren’t typically free. They are just paid by a public health insurance. That health insurance will pay at first but it will try to get it’s money back from you if you injured somebody.
Why is car insurance so expensive in all the other countries then?
In addition to what everyone else said, property damage is a big part of it as well.
Let’s say you run into a building and knock out a load bearing wall. Or plough through a business or government office. It’s not impossible to rack up a couple million in damages if you crash bad enough.
Even in countries with universal health care surgeries aren’t typically free. They are just paid by a public health insurance. That health insurance will pay at first but it will try to get it’s money back from you if you injured somebody.