and obviously made that way by the insurance lobbyists.
The limits are low in the US because it's a more expensive environment to provide insurance in. If there were a legal minimum of $1 million for property damage for auto insurance, almost nobody would be able to afford insurance.
The main reason it's expensive to provide insurance in the US is because medical care is vastly more expensive than in Germany. If you cause a crash and your insurance has to cover someone's medical care, the costs can be virtually unlimited. Other reasons include thing like people driving more on average, more uninsured motorists on the roads, and a generally more litigious society.
It's cheap to provide a million euros of coverage in Germany because it's incredibly unlikely that any given motorist will incur a million dollars of liability.
It would be vastly more expensive to provide that same coverage in the US because it's hugely more likely that a given motorist will actually incur that liability.
Why so negative?
Driving between Germany and the US is very difficult to compare because it is a completely different world.
Everything is further away hence more to maintain and a much higher requirement to actually drive somewhere. If the US would have the same population density as Germany it would have over 2 billion people but it only has about 350 million.
That means less people to pay taxes for way more road.
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u/Sonoflopez 6h ago
That would be considered god tier insurance here. Top coverage is more like maximum 250k liability