As a German living in the US, it's also interesting to me how dramatically more expensive insurance in the US is compared to Europe. The best explanation I coul

As a German living in the US, it's also interesting to me how dramatically more expensive insurance in the US is compared to Europe. The best explanation I could come up with is that 1) traffic laws are barely enforced, at least in Los Angeles you see most people driving with phone in hand and we have virtually no speed cameras or speeding enforcement, whereas in Germany, even tiny villages may have two speed cameras, one at each side of town 2) there seem to be no enforced maintenance requirements for cars in the US, whereas in Germany there's a mandatory check of the car's proper functioning every 2 years 3) insurance in the US is probably is cross-subsidizing lawyers as signified through the ubiquitous accident lawyer ads on billboards, radio etc.