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I don't understand. If I injure somebody with my car, doesn't my insurance pay the cost? Or is this cost for what the bill is minus my coverage?
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> If victims of traffic were made whole then car insurance would be staggeringly expensive and either (1) only extremely rich people would afford to drive or (2) a ton of un-insured drivers would be out on the roads.

This seems like kinda of am extreme prediction. The EU sets much, much higher liability limits and neither (1) nor (2) is true. A gradual roll out would give time for driving habbits and infrastructure to absorb the changes.