Idea fragment for business idea

Someone made a dent on my car. She had to pay for repair. But if someone else totals my car, the first person does not have to pay at all....

This can be a shadow of a bigger and interesting business idea. I am not suggesting the destruction as business idea. But.... I don't know, this idea can be related to something else...

Wikipedia of experimental automations

Create a website collecting user-created contents/ideas/instructables for experimental automation in liquid handling. They should be modularized for maximal scalability+flexibility+'interconnectability ' ......