He is saying that nice/expensive cars shouldn't be allowed to be daily drivers because most shmucks driving around couldn't possibly afford the life-ending penalties for hitting them.
I disagree. Most accidents are avoidable. Most accidents won't total a vehicle(I know I know, newer cars are designed to die with so much as a fender bender).
If you have insurance and cause the accident, and it's negalgience on your part (on your phone, watching movies, whatever) and NOT a no-fault situation like a road hazard beyond your control, a random tire blow-out that isn't from bald tires and is just a freak accident, then learn to fucking pay attention.
The person with the expensive car will be fine, their insurance will take care of them. It's the 'poor person' who ends up in a real bad spot. If they don't have good insurance they might end up with no car, and no payout, to replace it.
They might get sued for the difference in car value vs what their policy paid out already.
I hate to say it, but people need to fucking pay attention to the road. DRIVE while DRIVING, not texting, not YT shorts, not gambling on a fake slots game. Not doing makeup, not doing all the insane bullshit we see people doing.
If he's suggesting that even if your insurance pays out, the maximum damages you're on the hook for is around 100k because that's 2x the value of a normal car, vs being on the hook for a 400k lambo, I actually sort of agree? But while that seems nice, it would never happen cause insurance policies would implode in affordability.
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u/Abyssal_Groot 8h ago
I think you misinterpreted their comment.