The difference in you have a NHS to cover medical costs from injury. The other is law suits for personnel injury from a accident. Example........... get involved in a accident and some one ends up if a wheel chair for life, expect to pay out 10's of millions in settlements, to victim, family. Kill someone pay out millions and go to jail/prision .Just the same here,but our ins rates are a great deal lower than in the US,must be a reason for that.Maybe our vehicles are safer due to having a yearly safety test.