74: Need For Speed: High Stakes (NA)
A game with real types of damage, in which unlike the Gran Turismo. The more you wreck your car in this game by crashing into things after every race, your winnings are deducted and spent on your car repairs automatically after each race, and if you complete a race without a single scratch on your car you get a safe driving bonus. (this is no joke) but I personally think it's funny myself.
believe it or not I've already won races without crashing anything, in which is not all that hard to do in this game