If you have a head on

collision at 100 miles/hour relative speed, even Chinese car can not save you, :-)

The collision test are performed at a speed around 35 to 40 miles per hour to a stand still object. In real life, this means you drive at 20 miles and collided with another car drive at 15 or 20 miles. Ant body drive this slow on the road?

The best protection is not the car, not the insurance, it is the protective drivng. Drive carfully.

I bet you have seen the wrackage of Princess Diana's Merced Bentz. Is that car strong? Is that car better than Chinese car? What do you say about the insurance? When collided, speed matters a lot more than type of cars.