[londons_explore]

1 issue is insurance doesn't pay out much for road deaths.

Government generally budgets deaths at $3M-$30M per person killed. Yet a car accident that kills someone usually doesn't result in any payout at all.

That in turn means insurance companies are offering risky people lower rates than economists would suggest for the societal cost/risk.

[potato3732842]

Just because it costs the government 10mil or whatever when they have an oopsie and kill someone doesn't mean anyone outside the .gov is actually seeing a cent. It's mostly overhead of cleanup, both physical and legal/process.

I bet the actual payouts to families are similar for normal deaths that don't result in a media spectacle and the court of public opinion being involved.