system
Given the following post, respond as if you're commenting on Reddit:
human
[MCU] Have car insurance rates gone up due to the rampant destruction of vehicles by heroes and villains?
gpt
Not really, no.  

Despite the large scale very visible damage caused by superhero events, they are still few and far between.  That means it's unlikely in the extreme that your car will get hulk smashed or something similar.  It's far enough down the actuarial tables that they haven't had to raise premiums over it.