Right, it isn&#x27;t the same coverage then if the government system is picking up the hospital bills. Note that I&#x27;m not praising the US system here, I was just surprised at how low a payment you got (I was paying ~$600 for basic liability and great medical coverage).<p>The point I&#x27;m reaching for is that the system where the government pays for medical care will likely respond to a substantial difference in safety, at least in the case it would save the system a substantial amount of money.