[JoeAltmaier]

Maybe a bit confused - paying for damages is a civil/contract matter. Jail is for crimes committed by a person.

The parent comment explained some reasonable contractual mechanisms for civil remedy - insurance etc.

[DrillShopper]

Things can be both - insurance fraud jumps to mind, for example. You have to make the insurance company whole (they sue you in civil court) and you have to stand trial for your alleged crime (you're arraigned in criminal court).