[singleshot_]

The part of your insurance that pays the medical bills for a person you smush (third party liability) is entirely separate from the part that rebuilds your car if it gets wrecked (collision/comprehensive damage). They should be priced separately on your binder, but you can call up your insurer to price compare relatively easily.

[potato3732842]

Insurance doesn't cover legal expenses and their civil liability is capped pretty low. They'd rather you kill the pedestrian.

[kevin_thibedeau]

In NY it's $50000 mandatory for medical expenses before any liability comes into play. I've burned through the entire pile with costs from a driver induced injury.

[stefan_]

Nice idea but killing someone is very cheap. It's injury that requires permanent care that's very expensive. At some point they came up with "moral hazard" for this kind of thing but the lesson was forgotten.