alt Hacker NewsIt seems you already got your wish.
Almost every driver is, as you say, "properly insured" It is easy enough to avoid kids that death is is rare, and the insurance cost is quite low - even with astronomical insurance payouts for accidental child death.
Replies
coryrc • today at 9:04 AM
Automobiles are literally the number one killer of children 0-14 in the USA.
> astronomical insurance payouts for accidental child death.
There's no such thing. Standard automobile insurance policies cap injury liability in the low 5 figures. If you cause an accident and someone is seriously injured, there's a good chance you'll be personally liable for the majority of damages. Ditto property--you total someone's $100,000 Mercedes and you're likely going to be paying money out-of-pocket.
If you have any significant assets it's worthwhile to buy an umbrella policy.