There is so much to this. Americans are buying more expensive cars, and ones that cost a lot more to repair. Even small things can cost a couple thousand. There is also the fact that more are buying SUVs which are not as safe and do not have to meet the same standards as cars. They have larger blind spots and large flat fronts which tend to cause more damage and that are far more deadly to pedestrians (its kind of shocking how many kids are now killed in their driveways). And of course their is the US healthcare industry. Small injuries and visits to the ER can cost many thousands of dollars.

And then the Insurance companies need to pay for all those commercials, stadium naming rights, executive bonuses, etc.