(Nearly?) all states already have liability insurance requirements, and they already scale with real-world injury probabilities.
Those events just aren't as common as HN believes, so the driver of a KillMax HighBumper 9000 doesn't pay much more in insurance than the driver of a Civic.
Those events just aren't as common as HN believes, so the driver of a KillMax HighBumper 9000 doesn't pay much more in insurance than the driver of a Civic.