Selective incentives are necessary for some interest groups because

incentives of ordinary type which benefit all will not encourage people with specific needs to work harder. hence selective incentives are necessary for some interest groups because only if and when the incentive will benefit them or is something they can use only then they will be motivated to work harder.

They should have coverage for your vehicle damage under the coverage called ‘property damage’. If they are uninsured, you would look for ‘uninsured motorist property damage’ or you may have to use your own ‘collision coverage’ but then you’d likely have an out of pocket expense.