History Main / HeroInsurance

5th Sep '17 5:28:41 AM DrSlide
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--->'''Citiesville Mayor''': ''At what time'' did it seem like a good idea to blow up the Citiesville Bridge? Do you realize that the bank robbers you captured stole approximately $400? Do you realize you did ''several million dollars'' IN PROPERTY DAMAGE TO THAT BRIDGE?!!

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--->'''Citiesville Mayor''': ''At what time'' did it seem like a good idea to blow up the Citiesville Bridge? Do you realize that the bank robbers you captured stole approximately $400? Do you realize you did ''several million dollars'' over three ''million'' dollars IN PROPERTY DAMAGE TO THAT BRIDGE?!!



** A season 7 episode "Daring Don't?" examined this trope, as it deals with Daring Do dealing with the fallout for leaving destruction across Equestria when trying to save the day.

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** A season The Season 7 episode "Daring Don't?" Done?" examined this trope, as it deals with Daring Do dealing with the fallout for leaving destruction across Equestria when trying to save the day.



* The ''WesternAnimation/{{Gargoyles}}'' are pretty destructive when saving lives and fighting villains. Vehicles are some of their most frequent victims: motorcycle exploding, metros have the their roof ripped off and cars get stomped when a gargoyle land on it. Buildings are the biggest wreck however. Gargoyles will leave claw marks and holes on walls whenever they need climb on the rooftop. There's also pieces of stone skin they litter the ground, whenever they wake up. The gargoyles get away from all the repair bills, because they're seen as nothing but urban myths.

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* The ''WesternAnimation/{{Gargoyles}}'' are pretty destructive when saving lives and fighting villains. Vehicles are some of their most frequent victims: motorcycle exploding, metros have the motorcycles explode, train/subway cars get their roof ripped off roofs torn off, and cars get stomped when a gargoyle land on it. Buildings are the biggest wreck however. flattened. Gargoyles will leave claw marks and holes on walls whenever they need climb on the rooftop. There's also pieces up a building, and chunks of stone skin they rock burst away from them and litter the ground, whenever ground when they wake up.up from stone sleep each morning. The gargoyles get away from all the repair bills, because they're seen as nothing but urban myths.



* [[https://en.wikipedia.org/wiki/Good_Samaritan_law Good Samaritan laws]] protect people who attempt to give reasonable aid to others. The laws vary by region and juristiction, providing more or less protection based on the version of the law.

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* [[https://en.wikipedia.org/wiki/Good_Samaritan_law Good Samaritan laws]] protect people who attempt to give reasonable aid to others. The laws vary by region and juristiction, jurisdiction, providing more or less protection based on the version of the law.
3rd Sep '17 8:31:52 AM MisterBeeg
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** A season 7 episode "Daring Don't?" examined this trope, as it deals with Daring Do dealing with the fallout for leaving destruction across Equestria when trying to save the day.
2nd Sep '17 12:46:23 PM Discar
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* Marvel's ''Defenders'' universe:

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* Marvel's ''Defenders'' universe:All of the ''Series/TheDefenders2017'' shows from the ''Franchise/MarvelCinematicUniverse'':
29th Aug '17 2:20:40 PM Ferot_Dreadnaught
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* Vastly earlier issue 56 of Comicbook/TheAvengers where accountants were talking to the team, trying to account for all the damage caused during a fight with elemental golems. Most of the Avengers were dismissive about it, Thor left a bag of gold, IronMan reminded them that he was Tony Stark and could pay for it, and Cap... Cap handed over the parking ticket and the badge number of the officer who had ticketed the Quinjet when he'd made an emergency landing in an illegal zone. And the paperwork for having taken something out of a prison without filling in forms beforehand. The accountants loved him. An Avengers annual had the heroes touring a construction site. The GenreSavvy employees knew villains would not be far behind (it ''is'' a construction site) and indeed, they showed up. Without the heroes knowing, the employees put the smack down on all the bad guys.

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* Vastly earlier issue 56 of Comicbook/TheAvengers where accountants were talking to the team, trying to account for all the damage caused during a fight with elemental golems. Most of the Avengers were dismissive about it, Thor left a bag of gold, IronMan reminded them that he was Tony Stark and could pay for it, and Cap... Cap handed over the parking ticket and the badge number of the officer who had ticketed the Quinjet when he'd made an emergency landing in an illegal zone. And the paperwork for having taken something out of a prison without filling in forms beforehand. The accountants loved him. An Avengers annual had the heroes touring a construction site. The GenreSavvy employees knew villains would not be far behind (it ''is'' a construction site) and indeed, they showed up. Without the heroes knowing, the employees put the smack down on all the bad guys.
19th Jul '17 9:33:32 PM Fireblood
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* ''Film/TheMask'': Stanley breaks out of a jail cell, assaults an officer, steals his gun, kidnaps another officer at gunpoint and steals his car, yet receives no punishment. Even worse, he committed the crime he was held for and there was good evidence of him doing so. The trope is justified because the mayor thinks Stanley is a hero who was framed by Dorian. Plus, many of those things he committed weren't entirely his fault, and he ''had'' to escape from the cell to save Tina and stop Dorian.
-->'''Mayor''': '''''Dorian Tyrell''' was "The Mask." I saw it with my own eyes.''
10th Jul '17 3:52:34 PM Orbiting
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* ''{{Exalted}}'': During the First Age, the Solars' HeroInsurance is backed by the authority of Sol Himself and the rest of the Heavens. Whole Cardinal Direction obliterated in your fight? Doesn't matter, things can be rebuilt and the Sidereals make sure that the collateral victims reincarnate into a favorable life. [[spoiler:Like everything else heroic, this is ultimately {{Deconstructed}} -- the Solars eventually don't even see mortals as real people.]]

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* ''{{Exalted}}'': ''TabletopGame/{{Exalted}}'': During the First Age, the Solars' HeroInsurance is backed by the authority of Sol Himself and the rest of the Heavens. Whole Cardinal Direction obliterated in your fight? Doesn't matter, things can be rebuilt and the Sidereals make sure that the collateral victims reincarnate into a favorable life. [[spoiler:Like everything else heroic, this is ultimately {{Deconstructed}} -- the Solars eventually don't even see mortals as real people.]]
7th Jul '17 9:16:23 AM Piterpicher
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* Even though what they do is to take back their cities from bad guys, player tank in ''[[ChoroQ Seek And Destroy]]'' never needs to pay for whatever damage he cause to those cities, and they are miraculously restored right after the hero troop conquer them.

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* Even though what they do is to take back their cities from bad guys, player tank in ''[[ChoroQ ''[[VideoGame/ChoroQ Seek And Destroy]]'' never needs to pay for whatever damage he cause to those cities, and they are miraculously restored right after the hero troop conquer them.
15th Jun '17 7:35:42 PM MagnusForce
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* In ''WesternAnimation/TheSpectacularSpiderMan'' Spider-Man engages the Sandman who's robbing an oil tanker in the city harbor, even though there was literally no concievable way for Spidey to defeat a colossus made of sand. In the ensuing fight Sandman accidentally sets the ship on fire and casualties are only prevented because he comes to his senses and saves the crewmen, and then sacrifices himself to protect people from the explosion. Spider-Man gives him an appreciative little speach and then leaves, oblivious to the fact that due to his pointless intervention both the oil ''and the tanker'' have been lost, and the oil spill and fire have probably spelled an ecological disaster for the city, not to mention all the hindrance from the wreckage. Somehow, nobody in the city holds it against him either. Maybe Jameson was on to something...

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* In ''WesternAnimation/TheSpectacularSpiderMan'' Spider-Man engages the Sandman who's robbing an oil tanker in the city harbor, even though there was literally no concievable conceivable way for Spidey to defeat a colossus made of sand. In the ensuing fight Sandman accidentally sets the ship on fire and casualties are only prevented because he comes to his senses and saves the crewmen, and then sacrifices himself to protect people from the explosion. Spider-Man gives him an appreciative little speach and then leaves, oblivious to the fact that due to his pointless intervention both the oil ''and the tanker'' have been lost, and the oil spill and fire have probably spelled an ecological disaster for the city, not to mention all the hindrance from the wreckage. Somehow, nobody in the city holds it against him either. Maybe Jameson was on to something...



* In ''WesternAnimation/StevenUniverse'', the Crystal Gems regulary are in the middle of destruction of Beach City. Most citizens complain, but quickly bounce back. Only Mr. Pizza got seriously angry at one point and asked for repairs. The Gems ignored him and Steven apologized for them which Mr. Pizza accepted. It's never mentioned how the town pays for all the repair costs. In the Gems' defense, one episode explains that the Gems had actually warned the citizens ancestors about settling there since they would be in danger. The humans settled anyway and most have grown up with the weirdness, only reacting confused or in panic when directly confronted by it.

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* In ''WesternAnimation/StevenUniverse'', the Crystal Gems regulary regularly are in the middle of destruction of Beach City. Most citizens complain, but quickly bounce back. Only Mr. Pizza got seriously angry at one point and asked for repairs. The Gems ignored him and Steven apologized for them which Mr. Pizza accepted. It's never mentioned how the town pays for all the repair costs. In the Gems' defense, one episode explains that the Gems had actually warned the citizens ancestors about settling there since they would be in danger. The humans settled anyway and most have grown up with the weirdness, only reacting confused or in panic when directly confronted by it.


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* This is a constant problem for the Mayor of Mega City in ''WesternAnimation/AtomicPuppet''. He's the one on hook for all the bills racked up by the battles between Atomic Puppet and their various foes after all, so he's determined to try find a reasonable way to replace Atomic Puppet, like getting the police force to step up their game or bringing in a less destructive superhero. This ''was'' averted in one episode though when Atomic Puppet was forced to pay for destroying an art museum and a wrestling stadium during two separate fights.
7th Jun '17 7:06:01 PM nombretomado
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* Averted in the WhateleyUniverse. An early story features an English class which specifically mentions that insurance and damage laws have evolved to address superhero-supervillain battles. Also, one of the major purposes of the school is to teach enough self-control that the kids are ''not'' destroying everything in sight while fighting the villain. And finally, in a novel set over Thanksgiving of first term, the kids find out that a brutal battle years ago in New York City has led to the point that everyone at school has to have a Mutant Identification card filled out in a meeting with the Mutant Commission Office, or they can't return to the school.

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* Averted in the WhateleyUniverse.Literature/WhateleyUniverse. An early story features an English class which specifically mentions that insurance and damage laws have evolved to address superhero-supervillain battles. Also, one of the major purposes of the school is to teach enough self-control that the kids are ''not'' destroying everything in sight while fighting the villain. And finally, in a novel set over Thanksgiving of first term, the kids find out that a brutal battle years ago in New York City has led to the point that everyone at school has to have a Mutant Identification card filled out in a meeting with the Mutant Commission Office, or they can't return to the school.
4th Jun '17 7:05:53 PM nombretomado
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* MarvelUniverse:
** Lampshaded by Marvel with their ''ComicBook/DamageControl'' series -- a comic book about the company which cleans up after super battles. D.C. has been shown to clean up very specific examples of property damage, enlisting the help of subcontractors. In the after-effects of the ''Civil War'', its created-for-the-story new CEO is shown to have helped cause damage so the company gets hired to fix it. And they also dealt with the aftermath of ''WorldWarHulk'', explaining why New York wasn't rubble just days after it was smashed.

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* MarvelUniverse:
Franchise/MarvelUniverse:
** Lampshaded by Marvel with their ''ComicBook/DamageControl'' series -- a comic book about the company which cleans up after super battles. D.C. has been shown to clean up very specific examples of property damage, enlisting the help of subcontractors. In the after-effects of the ''Civil War'', its created-for-the-story new CEO is shown to have helped cause damage so the company gets hired to fix it. And they also dealt with the aftermath of ''WorldWarHulk'', ''ComicBook/WorldWarHulk'', explaining why New York wasn't rubble just days after it was smashed.
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