Yeah reading a lot of childish opinions on here, if you head over to social club and look around you will see a large majourity of players, mostly mature are completely against the bad sport system because of some of its variables. Its actually a great system imo it keeps jobs fair, but when unskilled players are griefing you in every session because they are walking advertisements for auto aim and running you over with their car while you are surfing menu's consistently for incessant periods of time you may at some point desire self defense. There are players who target you just for being high level, its ludicrous, I can easily say i've met Better sports in the bad sports lobbies than I have in regular play, Easily.
I will also add nearly all of these bad sports, never specifically targeted personal vehicles, they simply had the fire power to deem safe zones out of necessity; the self richeous infants who claim innocence are in denial and completely niave. We understand it sucks to be griefed, people chase through sessions etc, we shouldn't have to leave a session. People leave their personal vehicles in random locations, in traffic clutters, battle areas, they get destroyed without relation to your intentions; I can't predict a speeding semi will explode near a mini van sending it twenty feet into someones boring four door sedan, exploding it as well.
I did Everything in my power to avoid becoming a bad sport, I played matches fairly I let good sport assholes flatten me with their cars Repeatedly because apparently displaying a rocket launcher without firing it didn't scare them. There's so many examples its just not worth ranting; but on a final note, why is anyone complaining about money" you must be absent minded, unless its glitching the guy who destroyed your car pays the insurance premium. That in itself should be enough, hell just double the insurance premium for the guilty party and/or griefer, and triple, quadruple it, based on how soon they repeat and double the time after the second/ third or further destruction(s) so that it has more time to increase if they continue; if it makes little sense just have the excess cash act as due compensation and let if flow into their pockets. You will be rich, they will go broke and have more things to worry about, like affording ammo.