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Greatly decrease insurance prices

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Almost always the reason why people have to pay insurance on their cars is due to, server issues causing people to crash / disconnect, hackers joining the server and blowing up peoples vehicles or people having game crashes due to just fivem. I can only think of a handful of times I had to pay insurance on my car for it actually blowing up as every time by car is disabled I am able to get a mechanic to repair it or repair it myself and I know I speak for a lot of other people on that. Decreasing or removing insurance prices would also help with staff not having to look through and give so many refund requests. 

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