That only works if you (or your insurer) are actually held responsible to injuries done to people. In most of the US, you can pretty much kill people with impu

That only works if you (or your insurer) are actually held responsible to injuries done to people. In most of the US, you can pretty much kill people with impunity with a car as long as you aren't doing something grossly in violation of traffic laws. Drivers have almost completely externalized the cost of injuries caused their excessively large vehicles.