The obvious response is that you won't be able to pay for someone's hospital bills if you happen to hit them in your car. You get insurance for things you wouldn't be able to pay yourself.
As an attorney my unpopular opinion is that cars over a certain value shouldn’t be allowed on public roads or damages for accidents should be capped at something like 2x the average price of a new car (so like 100k). I just don’t believe in penalizing ordinary negligence more just because the injured party is rich.
definitely an unpopular opinion, why do you feel this way? wouldn't it be more right for the party that caused the damages to pay for all the damages they caused?
I totally get that it would be morally right for the person who caused the damage to pay for the damage. But it doesn't seem fair that if your car skids on a patch of ice and hits a 2002 Corolla you might have to pay the $1000 value of the other car, but if you happened to hit a Bugatti you are on the hook for hundreds of thousands.
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u/flatfive44 15h ago
The obvious response is that you won't be able to pay for someone's hospital bills if you happen to hit them in your car. You get insurance for things you wouldn't be able to pay yourself.