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Certainly.

But companies will offer this only if the downside risk is bearable. Which, (IANAL) is quite certainly much bigger in the US than in Germany.

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> companies will offer this only if the downside risk is bearable

Is the liability in Germany uncapped?

Didn't find anything, but I imagine it's similar to normal car insurance. In Germany most insurances are capped at 100m (legal minimum is 7.7m). Most expensive accident in history was 32m.

It's important to note that healthcare is much cheaper in Germany than in the US. In addition to that, compensation for injuries also tends to be much lower. That massively affects the costs of accidents.

In Germany if you are liable for an accident the health insurance of the affected people will bill you for all incurring costs. At market rate, not at "health insurance discount" rate. I wouldn't bet that the cost in that case is lower than in the US.

US users are apparently confused. Germany does not have universal healthcare, everything is priced differently if you pay out of pocket.

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