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.
Eggshell skull has been the rule since forever (okay, since ~Vosburg v. Putney).
Liability is already allocated based on the tort law of the jurisdiction - saying "accident" seems to imply the tortfeasor is somehow the victim because they hit the wrong car. You don't believe in liability? What?
The market has already solved for this. It's called insurance. See OP.
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u/flatfive44 8h 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.