With regards to the medical bill. We had a friend from the USA visiting and when out doing touristy things he stepped out from behind the coach, looked the wrong way for UK roads and was clobbered by a van.

1 month of UK hospital, a flight back to the USA involving taking two ROWS of seats out of an aircraft to get his stretcher in there and a further month or so in hospital back home plus outpatients left a HUGE bill. He was insured, but even the insurance assessor who came out to visit him blanched at the expense.

I tend to relate this to American friends or family visiting us to impress the value of that couple of hundred dollars at most of insurance money.