It is not uncomon for individual insurance payments to be several million pounds if the person is very seriously injured- eg quadraplegic, cannot work again (lost earnings) and needs major adaptations to their home and constant care for the rest of their life. And the new Ogden discount rate introduced has pushed the payout costs significantly too.
I agree entirely with the motoring public taking the Local Highways over the state of the roads, why should something you have paid thousands for having to undergo the poundings from pot holes.