The U.S. has the most dangerous roads of all developed countries. We have more crashes, injuries, and fatalities than any other country whether measured per capita or per mile driven. For instance, per capita we have over 3 times as many fatalities as The Netherlands, nearly 6 times as many debilitating injuries, and over 11 times as many crashes*. This is most often attributed to poor U.S. road design. How much though might be due to insurance and in particular no-fault insurance? In one incident a driver (A) was doing a zipper merge where construction closed the right lane. The car in the left lane that he was merging in to and was behind him (B) choose to speed up and pull around driver A to prevent him from merging in. As a result, driver B clipped the front of driver A's car with his rear. The insurance companies initially settled with 100% fault for driver A based on driver B having had legal possession of the lane. Only because driver A pursued the matter and obtained video evidence was fault changed to 90% driver B and 10% driver A and even this required considerable pushing by drive A. Without driver A pushing, driver B would have gotten away with being aggressive and dangerous with no consequences. Similarly very few incidents of drivers hitting pedestrians or bicycle riders in the U.S. result in any charges or punishment for the driver. How are such situations handled in other countries? Are they handled differently and so result in drivers being more cautious and thus fewer crashes, injuries, and fatalities? Is a crash elsewhere treated more seriously? Would police or investigators be more likely to come? * Per km driven we have 2.1 times as many fatalities, 5.5 times as many debilitating injuries, and 9 times as many crashes.