system
Given the following post, respond as if you're commenting on Reddit:
human
[DC] Batman just destroyed my car

I'm a Gotham citizen, I work as an accountant. So I parked my Porsche outside of a restaurant which I went into to have some dinner at night. As I came out, a caped figure landed on my vehicle while chasing criminals, the figure who I know had to be Batman absolutely wrecked my ride, smashing it apart just by landing on. 

Before I could say anything, the guy zipped away. While I appreciate the work he is doing for the city, he did wreck my $115,000 car which forced me to take a taxi home that night. I don't expect him to just appear at my door one day with a checkbook and pay for the damages. 

Is anyone gonna pay for the damages inflicted to my vehicle? I doubt "destruction by caped crusader" is covered by my insurance.
gpt
Anyone living in gotham, or metropolises, or any other city teeming with superheroes and villains needs to sign up for a separate insurance plan to protect property against meta humans. Health insurance will also be raised living in these areas. 

Those who can not afford these payments will end up in debt when their car in inevitably thrown at their house by some super. This is why super villains are never short of new henchmen to hire.