@palallin posted:I do not choose to die on this particular hill, but, I propose that, if the RRs *could* get $$$$ by suing the folks who hit or get in front of trains, they *would* sue them. I am pretty sure they have done a cost-benefit analysis and decided it won't pay. I am willing to be persuaded otherwise by someone who knows the business.
What @palallin said. The minimum auto liability insurance in most states is well less than $100k, mostly for bodily injury. The railroads can make a case, but won't win anything compensable from individuals beyond their insurance. The minimum auto policy property damage insurance required in most states is less than $25k (think damage to locomotives, cars, signals, track). It might be productive to sue commercial carriers.