Well, how does vehicular manslaughter work? If you have good insurance it will probably pay part of your damages, but not all. It’s also possible to buy individual liability coverage to pick up the rest, and it’s not too expensive since claims are fairly rare.
As for paying the cost, good luck getting the NRA to pay. Cold, stiff fingers, you know. Also, I do not believe auto manufacturers subsidize auto insurance, but I could be wrong.
