For a start being at fault for an accident doesn't automatically translate into car insurance liability. Secondly the liability rate is only going to be loosel

For a start being at fault for an accident doesn't automatically translate into car insurance liability. Secondly the liability rate is only going to be loosely correlated with the insurance liability rate. If you cause 10x more accidents than the next guy, but you mainly do so by crashing into pedestrians at low speeds you're not going to damage the car a lot, whereas someone with 1/10 of that accident rate that's more likely to total the car is a larger liability in terms of auto insurance.