In Germany on certain sections of autobahn..

My understanding is that any driver over 130km is automatically personally responsible for anything that occurs. Smash your car up at 160km and well, if you survive the experience your insurance wont be doing much more than "nice paper-weight!" And if you are in an accident you will be charged for with much more serious things than just speeding, and probably speeding as well. In fact a colleague here has a friend who got a nice brand new porsche and managed to write it off at something like 200km. Of course his insurance just laughed. But the worst thing? It was the first drive he had after getting it off the lot!

This isnt meant to be a correction, just a clarification. :-)