You don't entirely get to opt out. If you crash into a BMW, you'll still have to pay for the now-inflated cost of the repair - most likely through the mandator

You don't entirely get to opt out. If you crash into a BMW, you'll still have to pay for the now-inflated cost of the repair - most likely through the mandatory liability insurance. Insurance premiums have gone through the roof, to a big part not just due to insurance company greed but because cars and repairs to them became more expensive.