If the player accidentally explodes his car while driving, or puts it into water, there should be a temporary delay for when the car will respawn. The main reason for this, is to encourage people to use the pay and spray, if they want to keep their car before it explodes. That way, the pay and spray is more often used, and hence, there would be more reasons to collect money in the game. The temporary time can be about 10 minutes where after the car exploded, it spawns to a place which no-one can ever get to.