[estebank]

I believe that the disagreement we're having is born of what I'm possibly failing to do, which is getting the point across that talking about averages when the distribution is not anywhere close to normal is not useful and can be disastrous. If the average cost is maybe a few hundred dollars a month, but you have a low probability of having to pay several thousand dollars in an unlikely event, different people with different thresholds for risk will make different decisions. I'm just trying to make explicit to foreigners some things that are implicit to Americans so that they can make decide for themselves if it is worth it. I've clearly decided it was worth it, given I'm in the US now, but there's plenty I learned only once I was here that I would have appreciated knowing beforehands.

As an aside, the 10K figure was just he ambulance ride. I'm supplying that as a lower bound for the cost on an accident, which people in other countries would not believe.