Now that i think about it, if I'm in a lobby and i buy ammo from the interaction menu, it's 15k to completely refill the RPG. So yeah 40k ain't much in all honesty...
But if they want to punish people for blowing up cars, they should make the insurance payments more. I mean, that flying bike is like 3 mil, and it's only insured for 20k? Really? And that's not even including all the extra shit like paint, fairings, wheels, armor, etc.
Insure that mufucca for 10% and i guarantee every last one of us will think twice before blowing up a car. I got my money right but even I'm not about to blow up a car then pay 300k THEN get charged bad sport too...
I never understood that about this game. All the money you spend buying and fixing these damn cars only to have it be insured for like 2 or 3% of what you paid for it.