Add this to the list of hidden costs of driving.
The National Highway Traffic Safety Administration (NHTSA) put a price on something more deadly: the cost of carnage on the nation’s roadways. It says the total annual cost is $871 billion. That number includes $277 billion in economic costs and $594 billion in harm from the loss of life and the pain and decreased quality of life due to injuries.
Crashes involving pedestrians and bicyclists accounted for 7 percent of the loss and cost $19 billion.
Americans buy only about $100 billion worth of car insurance per year (of which only a portion is paid out in claims). So the rest is a hidden cost/subsidy paid for by individual victims, charity, health insurance, and the government.