hit him with that cost (is not done over here, as cost is already socialised, only pain, suffering, lost income for self-employed and future cost like remodeling for wheel chair can be claimed) directly and/or via higher insurance cost.

If I make a mistake and hit someone driving a new Rolls Royce, should I have to pay more than I would if the car I hit had been a 10 year old Honda Civic? Does someone create a hazard by the very act of putting the Rolls on the road?

Also, should I have to pay more for running over the hand of Tiger Woods than I would if I had run over the hand of a homeless alcoholic man who has no manual dexterity?
Since his hands have made him a billionaire, shouldn't Tiger be more careful where he puts them?