Insurance should make sure we get our items back. Yes let the other player have them too. The amount of grinding to get your weapon & then gone in a split second.. The gameplay however is smooth. Graphics amazing. It's the burden of grinding with no PvE option and no real insurance is a punch in the ____. Someone destroys your car or steals from your place if they are insured then you are reimbursed having payed the copay which we do upfront in the game.