Except on the tv fantasy, the penurious street urchin shot down in a drug deal gone sour is dramatically saved by the intense young emergency room doctor. Back to insurance. Insurance covers it. I'm not responsible. I can drive aggessively and damage someone's property.
Insurance covers it.
I can neglect to shovel the snow off my sidewalk because my liability insurance covers the postman's broken leg. We've gotten so used to insurance that even the government can't reform health care because insurance obfuscates the real problem. No more than you have.