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Yes, you should. All you need is basic transportation; if you want more than that, then you should pay the insurance to replace it when it gets damaged or destroyed.

I'm not even sure you should get anything at all from the other driver.

Do you demand the Earth compensate you when your house gets damaged in a storm, or do you pay for the insurance policy that covers that?

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That's a fairly bad faith argument. The earth neither has agency or insurance of its own to pay out costs.

If instead someone comes and burns down my house, I would hate it if they only had to give me a "equivalent functionality" tent in the wilderness because the law considers all shelters to be equal.

That's exactly how disaster insurance works. Why should it be any different for human-caused disasters?

If you have some giant mansion, do you really think you're going fully compensated by some unemployed (and now imprisoned) people who burned it down?

What if my millionaire neighbor burns down the house instead?

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