Can someone please clear up a couple of things for me regarding car damage / repairs / insurance.
I've always been a bit puzzled as to why people are so protective of their cars in terms of damge, when you consider they will return to mint condition next time you start a session. But in a couple of posts I've seen people talking about insurance costs, etc.
What I need to know once and for all is:
1. When you damage your own car by crashing into obstacles and AI vehicles, does your bank account get charged by your insurance, to get it repaired for the next session?
2. When you damage other players' cars, does your insurance charge you for their repairs?
Otherwise, I just don't see why people get so upset about damage to their vehicles.