[mfalcao]

That’s insanely low! In Portugal the minimum required by law is 6.45 million for victims and 1.30 for property damage, per accident. A policy like this can cost as little as 250€ / year.

I assume these low limits in US insurance also affect material damages so that if you crash into an expensive car you just get a bunch of debt you need to pay off?

[kjkjadksj]

Despite the seemingly affordability a lot of drivers are uninsured. In California its 1 in 5 and in Mississippi its 1 in 3 drivers that are uninsured. Its likely they try and flee the scene over staying to offer to pay with money they don’t have. Hit and run drivers successfully get away 9/10 times. You might only carry liability insurance at which point you pay for your own repair.