>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?

Yes, pay the damage you caused. In Germany any car legally allowed to participate on normal roads needs mandatory insurance which equalizes most of the cost done to others, while driver pays - depending on years without accident - between 22% and 300% of the insurance rate calculated for a specific car in a specific region with some other factors like age of driver, shortest years of driving expirience among all people driving that car and so on. I think such a range is fitting - if you cause more accidents, pay a larger share for insurance guarding against very high cost. Also: you can opt to pay the damage yourself - then as far as insurance calculation is concerned, the accident never happened and you keep your level of discount. So if you hit the 10 year old Civic with only damage to the car, you just pay the price of that car from your savings ;-)

>Does someone create a hazard by the very act of putting the Rolls on the road?

Not by driving normally, although if driving at speeds above 150Km/H you will get hit with part of the guilt and damage cost, even if the other driver cuts right in front of you without looking and blinking. So driving a Ferrari or Porsche at speeds you paid a premium for will create a hazard in civil court rulings. I might agree with 10% guilt of otherwise faultless driver if driving above 200Km/H on speedlimit-free Autobahn stretches, but rulings of 30+% are crazy IMO :-((

>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?

Yes for the estimate of future income loss, no for pain and "private" loss of functionality like fondling females - same as you would have to pay more for crashing through a painting of Picasso then for a no-name oil painting.

>Since his hands have made him a billionaire, shouldn't Tiger be more careful where he puts them?

If he is negligent in sleeping in the middle of a busy road with blocked ears and over 2%% blood alcohol, pay him only a tiny fraction or nothing at all.