Earlier quoted context omitted.
This is not quite true - if your insurance policy does not cover the full amount you can be on the hook. Of course if you don’t have insurance you’re kind of screwed, or your insurance doesn’t cover the full recovery costs you have to pay the medical bills and get stuck with them if the responsible party is under insured and lacks assets. Accident created expenses seem like one of those things where if someone else i…
As a non-American, accident created expenses seem like one of those things where the state should cover the personal injury costs which helps to make healthcare cost at least half the price, leads to better outcomes, and avoids people being bankrupted simply because of their health.
As far as an individual who gets injured by someone else is concerned, "the state" is just another form of insurance. I'm not sure the state is any more reliable as an insurance provider than private companies; indeed, it might often be less so since it is subject to political pressures that private insurance providers are not.