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Comment by blacksmith_tb | Hacker News Reader

It would be nice if non-cars, like SUVs and pickups, paid more for insurance (but they pay less, because being tanks they protect their occupants even as they lay waste to everything else - unfortunately insurers care more about the former than the latter).

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Sounds incorrect. I think the insurance rate is based on the value of the vehicle and SUVs and trucks are much more expensive than compacts and sedans.

The part of your insurance that pays the medical bills for a person you smush (third party liability) is entirely separate from the part that rebuilds your car if it gets wrecked (collision/comprehensive damage). They should be priced separately on your binder, but you can call up your insurer to price compare relatively easily.

Insurance doesn't cover legal expenses and their civil liability is capped pretty low. They'd rather you kill the pedestrian.

In NY it's $50000 mandatory for medical expenses before any liability comes into play. I've burned through the entire pile with costs from a driver induced injury.

Nice idea but killing someone is very cheap. It's injury that requires permanent care that's very expensive. At some point they came up with "moral hazard" for this kind of thing but the lesson was forgotten.

"On average, SUVs are less expensive to insure than other vehicles, especially sedans or trucks."[1]

1: https://www.caranddriver.com/car-insurance/a36331753/are-suv...

Insurance on my 1999 Chevy pickup costs more than my 2001 Olds Intrigue.

Or at least it did a few years ago when the car was insured and on the road.

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