I don't keep enough cash to go out and replace my daily driver, in kind, today. Even if it was someone else's fault and they're eventually required to remunerat

I don't keep enough cash to go out and replace my daily driver, in kind, today. Even if it was someone else's fault and they're eventually required to remunerate me for the loss, that can take months. People don't like the cost, but they like the benefits when they need it.