Arguing that personal liability laws already exist and
can enforce this system is technically true. But you first have to concede that a cash settlement is potentially worth brain damage, loss of vision, loss of limbs, loss of family members, etc.
Therefore a potential liability lawsuit will result in no net economic gain, but restoring what you already had (I.E.: How much is your SO's life actually worth to you?). If you don't concede this fact, then every single instance of the situation correcting itself, I.E.: Crash and law suit, will result in a net loss to the community GDP and private loss of money. The service can have no economic value what so ever to the seller, or purchaser on a macro scale, its just becomes Russian Roulette as a service.
The issue with Randian Objectivism is it normalizes human death to solve micro economic problems.