I seem to remember somewhere that insurance companies have been reluctant to factor the risk of injury to others into the liability premiums for cars. This was in the context of a discussion of the externalities when SUVs and trucks became popular.
It's hard to separate driver inattention from the effect of having vehicles that are much more deadly these days, too. If you get hit by a sedan, it'll take out your legs and you'll get flung up on the sloping hood/windshield. If you're hit by a truck/SUV, on the other hand, the majority of your body will take the direct hit.
It's hard to separate driver inattention from the effect of having vehicles that are much more deadly these days, too. If you get hit by a sedan, it'll take out your legs and you'll get flung up on the sloping hood/windshield. If you're hit by a truck/SUV, on the other hand, the majority of your body will take the direct hit.