Both the tank and the Insurgent can both be destroyed without having to pay a fine while the bullet proof Kumura does not. Which is funny because I consider it to be a much better vehicle for taking out players thanks to how easy it to kill people on PC with the SMG and how fast it moves
It removes the fun of car chases because someone shows up that you can't kill from your car without having to pay a fine while they can kill you with ease from their car.
Remove the fine and it should fix itself.
I'm guessing you probably mean the Insurgent pick-up? Just in case you don't, the Insurgent you can garage (without the gun) does have an insurance premium, probably the highest in the game.
Regardless, if you want to evade any insurance costs for any opponent PV destroyed, you can, or at least you used to be able to. Start a second character, load up an invite only session with this second char, withdraw all your money from the bank and keep it as cash, swap back to character one and a normal session and have at it. You shouldn't be charged for insurance now as bank accounts are shared but cash is not.
It's a bit of a cheat so use it at your own discretion.
Why would I want to to remove the fun of car chases in online by being unkillable? Use passive mode if you don't want to engage in any pvp rather than go around and ruin the fun of everyone not deciding to use god mode.
The Kuruma is not quite as indestructible as people think, a few assault shotgun rounds to the door will quickly knock the panel off leaving the occupant a sitting duck.
Some guy I am playing with is using mods online.
Cha, although it was inevitable, that sucks. I guess pretty quickly it will become as annoying as the PS360 versions were with god mode dicks in every session. I was hoping R* would be able to keep online mods at bay for at least a little while!