No, you don't necessarily have to purchase a new ship after a crash.
No, you don't necessarily have to purchase a new ship after a crash.
You remain capable of operating your vessel even following a crash, as you receive "ship insurance."
You can move about your vessel (as long as it's more than just a seat) and you'll need to purchase another one if you lack coverage. They haven't explored this aspect in detail yet, but from what I grasp, it's still unclear.
Insurance in Star Citizen allows pilots to secure their vessels, upgrades, and cargo against loss or damage during conflicts or accidents. Similar to real-world coverage, it requires ongoing payments in galactic credits; otherwise, the policy expires without compensation or replacement. The cost depends on your risk profile: lower risk means smaller premiums, while higher risk increases expenses. It’s a manageable expense that aligns with the dangers and rewards of the game environment. Lifetime coverage is automatically included for those who pledged before a specific date, offering permanent protection. If you lack insurance, you’ll need to purchase a new ship or rely on missions until you accumulate sufficient credits.
It seems like you're wondering if the narrative overlooks certain aspects, particularly regarding actual vessels.