Aright, I figure people can shoot at me later, BUT... Here goes. With the way insurance is, unless you can cover the rebuy cost, you're pretty much screwed. A thought occurs though...
Insurance option A: as is. You die, you rebuttal or you're stuck in a Sidewinder.
Option B: pre
urchase insurance with your ship valued over 1m, with options to modify covered modules in Contacts>Insurance Agency
Option C: Pay 50% insurance premium for a high value ship (say over 50 million) and 5-10% of your income is automatically deducted with every sale/bounty to keep said insurance. Similar to how paying off a loan works.
In essence: be able to purchase "Insurance loans" so various options exist to ensure commanders aren't left with nothing as well as an added "economic sink". Such would make sure nobody is flying around getting into unexpected accidents with liability only.
In addition: make it so insurance needs to be renewed every few days/weeks/months whatever.
Insurance option A: as is. You die, you rebuttal or you're stuck in a Sidewinder.
Option B: pre
Option C: Pay 50% insurance premium for a high value ship (say over 50 million) and 5-10% of your income is automatically deducted with every sale/bounty to keep said insurance. Similar to how paying off a loan works.
In essence: be able to purchase "Insurance loans" so various options exist to ensure commanders aren't left with nothing as well as an added "economic sink". Such would make sure nobody is flying around getting into unexpected accidents with liability only.
In addition: make it so insurance needs to be renewed every few days/weeks/months whatever.