[nullc]

> can still crash into someone else's $120K car

The significant increases in relatively irreparable high value cars on the road is presumably a driver of increasing insurance rates.

One solution would be to cap liability for damages to other people's cars to the median value of a car on the road. If you own a car worth more than the medium and want/need damage insurance for the full amount, you should take on that cost rather than saddling the public with it.

[crotchfire]

Certain brands are designed without any consideration for repairability. Like a smartphone (on wheels). Or an "inverse Toyota".

All the median-priced-cars from these brands, which are instantly totaled by anything other than cosmetic damage, are still driving up everybody else's rates.

[nullc]

I don't know how to draft a law that deals with that, ... and it's probably a worse problem than the high price cars simply because fender benders are more common than serious accidents.