I have insurance to replace the cars, I'm not sure if human body replacements are available yet
Everyones different, I don't have kids, I don't have to think about putting them first etc.
A daily driver etc, sure I'll let that go and yes insurance will replace it. Cars that I've spent a decade on full of blood sweat and tears isn't as replacable by insurance. To me those things I value almost as much as my own life, because they are my life.
I'll use my last breath to defend certain things like that. Same as how my old man built his dream house over 20 years and stayed to defend his property until the SA bushfires of 2020 were mere metres from his house, he was prepared to die that day.....he was willing to die to protect something he had 1/4 of his life in that he built brick by brick, to him there was no question about staying.
When I was in a bad accident in one of my old cars many years ago, and had ambulances waiting to cart me to hospital while I was bleeding, badly, I refused to leave regardless of my medical condition until I knew exactly where my car was going, how it was going to be looked after etc. I had salvage rights on that car and until I knew it was going to be safely back at my garage I wasn't stepping foot in an ambulance and leaving the crash scene, that was my priority.
Insurance can't replace some things, you take a calculated risk to defend it and for some people it's worth it.