Are you telling me someone can be legally insured over there yet if they hit your $500,000 new supercar with their crappy old Honda, their insurance company won’t have to pay for it to be fixed no mater what??

Over here in the old world, even if you have crappy 3rd party only insurance (ie it covers what you hit to get fixed but not to fix your own car), it’s covered no matter how expensive the car you hit costs.

Maybe that explains why our insurance is comparatively expensive when compared to yours?