Zyobot
Just a time-traveling robot stranded on Earth.
Most people can't afford that kind of insurance.
If something like that is your car and properly insured you're not going to get hit with more than the deductible. If it's not your car you better hope that it either wasn't your fault or your insurance has a really high payout limit because cars like that are about three times as expensive as what's allowed at LeMans and street legal.
Well, they need to come up with a way to compensate inconvenienced bystanders somehow.
Don’t recall from which series or episode, but I remember a case in which—after destroying a bunch of stuff and apologizing to Lex Luthor for it (he was hosting the event, I think)—Superman said the Justice League would pay for the damage. Maybe superheroes pool resources together to afford those massive expenses, though a certain Dark Knight—directly or indirectly—probably foots the bill for most of them?