You can destroy a personal vehicle and not get penalized if that person has a bounty. Think twice before you try and run with an adder or entity or other expensive car, because if you are in your car and it gets blown up you will have to pay the insurance.
If someone is annoying you and driving a rather expensive car just call lester and place a 1,000$ bounty on them, now you can blow up their car and not have to pay for it.
Saw a guy driving an Adder with Chrome. Guy has mic and is saying he barely got enough money. I put 1k bounty on him. I blow up his car and he has to pay. He doesn't have enough money for mors insurance.