TBH I don't see the issue with allowing people to pit maneuver each other on the basis that if they do end up dying or blowing up, you would have to comp them or face a ban.
Wasn’t intended and it fucks turf fights. People just spawn in their house get flag immediately and then sit in their house. And if they die they can respawn and regear
Insurance the way you’ve made would be useless as fuck. Make the insurance half the price of the vehicle and when the vehicle is destroyed, chopped, or seized the vehicle is returned to your garage without insurance and then you must repurchase it.