this post was submitted on 06 Oct 2025
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Health insurance in the USA maybe and a couple of other insurances may seem that way. However your private saving can only be so much. Get into an accident in your car - the 10 million in damages is paid by the insurance. Your car is broken afterwards and you manage to cause an accident on your bicycle- the damages is covered by your normal damage insurance. You are injured - the costs are not covered by your insurance. Hence you sue the insurance - your legal insurance covers the six-figure legal fees.
Now I could spin that further without deviating much from reality - even in Europe. Yes technically you're better of saving the money instead of spending it on insurance - that however is a gamble on your bad luck. Great if it works out - there's likely no way you could ever save enough to cover all eventualities
Yeah, honestly that's just untruthful. Any collision in a modern car needs an entire new front, because of damages to the fragile pedestrian safety systems and the electronics. A new bumper on a 2017 VW is around 1500 Euros painted. Another 1500 for the head lights, the labour cost is obviously country dependent. But even a small accident in a parking lot has damages almost 5 figure high when two modern cars are involved.
When you get into a really bad accident on a highway and dozens of vehicles get damaged, the road is damaged, the cargo of trucks gets damaged etc, you can easily get into the millions if vehicles get totaled or the cargo is expensive. And you car insurance also covers damages to the passengers. If you cripple a child for example, that is at least 10 million in damages, for the pain, the lack of a normal life, the renovation of the hoise of the parents as well as the car, etc.
Damages can become extrodiarinally high, so high in fact that you're better of killing someone im Germany (by accident) than to just cripple them as that is much much more expensive.
Considering the fact that there are over 30 countries that have a civil code derived from the German one, I assume it's not just one country.
Besides you used health insurance in the USA as the only basis for your argument.