I use a fully protected Carbonizzarre as my usual drive. Today I was after someone with a bounty on them and he sticky bombed me in the car and he had to pay. I called up Mors and replaced the car and got my mechanic to deliver it. Then me and the guy got involved in duel on foot, during which he bombed my car, for no reason other than to be an arse. He had to pay again. So I replaced the car again. And the sod bombed it again when I was not in it. But this time he only got fined 50% of the insurance cost, I had to pay the rest.
Hardly fair. Bombing PVs is frowned on by R*, so why is this behavior not punished by higher fines, not smaller.