[AnssiH]

Medical bills are covered (the Wikipedia summary seems accurate to me: https://en.wikipedia.org/wiki/Vehicle_insurance#Finland). But I'm going to guess that those medical bills, and related damages, are much lower than in the U.S.

Maybe also lower average value of cars and less accidents here plays some part. But not sure how large that difference actually is.

Could also be some difference in the insurance premium systems: The amount of accidents changes one's cost for next year based on fixed rules - the ~$20/mo is with the highest discount (no liability insurance covered accidents in many years). The maximum it can grow to (for me, with my modern car) is ~US$100/mo, by having 4 consecutive covered accidents without accident-free years. Not really sure how wildly this varies in other countries or if the systems are similar...

The optional car insurance is more expensive, my full coverage (including damage, theft, parking, glass, fire, towing, substitute car etc.) is in the ~US$100/mo range, with ~$230 deductible on most coverage, and towing, substitute, glass repair at $0.