It took me a while to get a sense for what you meant, but I think the answer is yes? If insurance companies saw there was a new risk associated with driving, a new .1% chance you might get in an accident requiring the insurance company to pay out $10 trillion, I think you would see insurance companies raise premiums to offset the new $100 billion liability, and I think it would not only be paid by the owners of the new wildly expensive car, since you have to offset the chance that I am at fault for its destruction as well. I do however wonder how you could construct a $1 trillion car and have it be completely totaled by a $5000 car in an accident – wouldn’t at least a few billion go to reinforcing the chassis?