Ship

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I forget I launched and then went into the system map to look up new systems. When I finished my search, I was being attacked with a trespass warning. Anyway, my ship was blown up and I didn't enough funds to pay for a new one. My question is how do I get the money back that my original ship was worth in order to replace my ship? My original was worth well over 126 million, and it don't seem fair to me to have put all that money and work into my ship to not have it. Why can't I receive a credit from my insurance?
 
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