Didn't really expect much from DrivingUk but honestly the amount of downvotes shocked me. God forbid people go out at night dressed normally without full on high vis.
Reddit Link: https://www.reddit.com/r/drivingUK/comments/1r8fkfo/comment/o65j18p/
this post was submitted on 19 Feb 2026
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That's only half of it. The other half is to cover your medical bills (because we live in capitalist hell) and cover (hopefully) the cost of repairs or replacement of the vehicle. It's a great system in theory.
I live in Canada, so things get a lot less complicated around medical bills, specifically.
Where things get really dicey, money-wise is around if you can't work due to injury.
I think the minimum personal liability you have to carry is a million, but it's pretty common to have 2 million.
Even at that, IMO it's still not really enough. If you mashed someone up so bad they can't work anymore, even a full unadulterated 2 million isn't going to square a lifetime of lost income.
I'm not coming out here to say Insurance is great. Just that if we're going to talk about the issues. I just think we owe it to ourselves to understand it well enough to have clear critism based on reality. I was concerned that some of the previous posts weren't communicating reality clearly (possibly more to do with my own reading as opposed to thier writing).