If your vehicle isn’t disabled, what’s the big deal about stopping?
If you're just careening down the highway at 80, you're not really giving your car a fair chance to let you know that it's really in a disabled state now are you?
It's just common sense that after a major impact you should evaluate the safety of continuing in your current state. Stopping and doing the bare minimum of just looking at your car would be the first step of that process.
primarily because government requirements are often way more strict than standard commercial or consumer... If someone sets up a contract with you that requires you do 100 things you normally don't do... you're going to charge more. 3x is likely fair in most cases where compliance becomes a thing just for the cost of talking to counsel about meeting those requirements.