It’s interesting considering how the Insurance Institute for Highway Safety really highlights what is more important for them to reduce in a collision. Modern cars might sustain much more damage and be more likely to get written off as a total loss, but that will probably cost them $30-40k at the high end in most wrecks. But if a person gets seriously injured the insurance company could very quickly be on the hook for the full $100-300k in medical bills most people get coverage for.