The unseen side effect of increasing car insurance coverage across the board would be the hospital would charge $360k for a single day of trauma care instead of

The unseen side effect of increasing car insurance coverage across the board would be the hospital would charge $360k for a single day of trauma care instead of $180k. I have to admit that I stopped reading the article after this line "The day after the crash, Seamus died. The hospital charged the couple’s insurance $180,000 for his care." One day of care added up to $180k. Their actual costs could not have been a tenth of that. How can the author seriously say that car insurance is the issue in this situation.