this post was submitted on 06 Oct 2025
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part of why it's a scam tbh. in my country a car accident will never cost six figures because healthcare is public, car parts are not that expensive either. unless it's something really bad or unique.
Yeah, honestly that's just untruthful. Any collision in a modern car needs an entire new front, because of damages to the fragile pedestrian safety systems and the electronics. A new bumper on a 2017 VW is around 1500 Euros painted. Another 1500 for the head lights, the labour cost is obviously country dependent. But even a small accident in a parking lot has damages almost 5 figure high when two modern cars are involved.
When you get into a really bad accident on a highway and dozens of vehicles get damaged, the road is damaged, the cargo of trucks gets damaged etc, you can easily get into the millions if vehicles get totaled or the cargo is expensive. And you car insurance also covers damages to the passengers. If you cripple a child for example, that is at least 10 million in damages, for the pain, the lack of a normal life, the renovation of the hoise of the parents as well as the car, etc.
Damages can become extrodiarinally high, so high in fact that you're better of killing someone im Germany (by accident) than to just cripple them as that is much much more expensive.
you are justifying the scam by how it works in the law of a specific country here
Considering the fact that there are over 30 countries that have a civil code derived from the German one, I assume it's not just one country.
Besides you used health insurance in the USA as the only basis for your argument.
i'm also using car insurance. and not just US health insurance, this is a trend worldwide.
there are more than 100 countries in the planet. you could probably locate the 30 countries you are speaking of mostly in europe.
and if that system was any good, insurance companies wouldn't be one of the most profitable businesses in most of the world.