Someone seems to have crashed into an expensive car, so I hope there is an upper

[An accident with Lamborghini]

Someone seems to have crashed into an expensive car, so I hope there is an upper limit on insurance premiums.

Honestly, I just don't want expensive cars on the regular roads, at least in the insurance system that pays a lot of money depending on whether it's negligent or not.

Roads are public goods. Accidents can happen regardless of the price of the car. And accidents are always expected. Then, I think it's appropriate to average and put an upper limit on liability.

When I have a stomachache after eating street food on a trip to India, does it make sense for me to pay a lot of damages to the owner of a street restaurant if I'm Elon Musk?
Anyone can predict that eating food in India will cause an upset stomach. If you are in the expected category, expect damages equivalent to the average, and I think it's right to compensate only that much.

When moving 10 billion won pottery, call a regular taxi and move. On the way, the taxi was rolling and the 10 billion won was broken. Should the taxi driver ask 10 billion won?

Lamborghini prices are really way off the average. But accidents follow the average probability.

I don't like it when someone gets rich by getting hit by lotto with luck, but I don't like it when it comes to luck (even though Mrs. Kim did something wrong).