Don't know about the rest of Europe, but here in Germany we also have limited insurance coverage. By law the minimum for person damage is 7.5 million €, for pr

Don't know about the rest of Europe, but here in Germany we also have limited insurance coverage. By law the minimum for person damage is 7.5 million €, for property damage 1.12 million €. Usual sums are 50 or 100 million €. So in the end it's very unlikely for something like that to happen in Germany.