How many other ways does the average person have available to accidentally kill someone? If vehicles are about it, then you may see light sentences for vehicles simply because it's accidental, not because is vehicular.
However, the first dollars of insurance are often the most expensive; so the price to customers going from $50k to $500k may be not as much as even the first $50k was.
Some say "accidentally" but I say "negligently." Society is way to light on people who injure others while using their cars. How does the saying go? If you want to kill someone and reduce the chances you are punished, just accidentally kill them with your car!
IIRC, a VERY low percentage of people who kill a pedestrian are ever even charged (like 3%) with anything. In the vast majority of cases, there is negligence involved and everyone is just like "ok, you killed someone though your own negligences, but turns out there are no consequences for that"???
However, the first dollars of insurance are often the most expensive; so the price to customers going from $50k to $500k may be not as much as even the first $50k was.