I live in the EU. It&#x27;s the law that any car insurance, even the cheapest one, has to cover up to 5 million euro in medical expenses(plus up to 3 million euro in damages to property). I know in US you have to specify how much you are insuring yourself for, but in EU it&#x27;s literally unheard of, I guess you could theoretically ask for more than that 5 million euro cover, but I have no idea why you would. And yeah, that medical cover is only useful if you need any rehabilitation afterwards, but I literally can&#x27;t think of anything that would actually produce a bill, I could have 10 operations after an accident and no hospital would actually bill anyone for it(well, they would bill the government, but the insurer wouldn&#x27;t care).