Is the Insurance cap good?

[SoDank_ItPainsMe]

Insurance fee should be double if the PV was destroyed by jet cannons.

[NorthwindJME]

Its nice to see the cap. I still want the insurance money from restoring personal vehicles removed all together. Those asshats will still blow you up ether way, financial penalty or not, they don't care.

[.Mugetsu.]

 

Bring back high insurance . Why the heck was it capped anyway. Itsk called insurance for a reason.

 

Thats not how insurance works anyways...

 

 

If anything you should pay the insurance because you're the owner..

 

 

Seriously.... Bring it back? Hahahhaa... like wtf.

No if nything they should pay more for blowing it up

[Kyrrari]

So according to this thread there are actually 2 problems.

1. Both bank accounts AND wallets should be shared between characters, f*ck you for trying to protect your cash from your own jackassery while screwing people out of theirs [and maybe CEO prices for all pegasus summons. Wouldn't bother me a bit if it meant less jet scrubs and griefers].

2. Higher insurance fees for higher end cars. I.E. 1% for sh*t cars like sedans and muscles [the current price], 10% for sports, 20% for supers.
I was super pissed when I bought my x80, had it blown up and saw that measly little 20k fee. Screw that.

 

And for those that don't get why the owner doesn't always pay the insurance, you've clearly never dealt with an insurance company. They will sue the sh*t out of whoever is responsible to get their money. You're just lucky it's not more realistic and you're not also fined the 200k in court/attorney fees.

 

As for the "criminals don't get Insurance" nonsense, they do quite extensively. They're called lawyers and they charge so much their hourly fee isn't measured in $, it's measured in human souls. Who do you think is bribing those cops or bailing your ass out of jail constantly? Never noticed you get charged for that too?

Edited June 26, 2016 by Kyrrari

[CarimboHanky]

Insurance fee should be double if the PV was destroyed by jet cannons.

you people obssesed with the jet neex to understand that smart pilots pay no insurance!

there are ways of getting insurance/badsport excemption!

[Big_Show]

To be honest, I usually just blow up Kururmas campers and well they're usually around $9K so doesn't really change much for me.

[namless1]

Insurance cap should be at like 5k tops. If someone blows up your supercar and pays 20k for it, he:

• doesn't care, because he recently finished his 'modder give me money' journey through public sessions, it's a chump change for him now,
• didn't really mean to destroy the car, doesn't like blowing hard-earned cash like that, he was after you and you successfully managed to hide behind insurance fee (I fall for this category).

 

Also, inbefore 'I was minding my own business and you shot me, serves you right' - mind your business in passive or away from me.

'But I wanted to shoot cops, can't do it in passive' - you brought cops around me (which will more lilkely result in them bumping me and giving me wanted level), that's frustrating, frustration needs venting.

[blusunone]

Insurance itself is a bad idea. It places the attacking player at an advantage, since other players cannot defend themselves without taking a major financial hit.

 

That said, it is kind of nice during missions, where it can discourage teammates who might decide to blow up your car for no apparent reason. Then again, it is pretty easy to blow up a teammates car by accident if you are providing air support with a savage or hydra. Overall, the whole insurance system is stupid, regardless of the 20k cap.

[.Vooodu.]

So according to this thread there are actually 2 problems.

1. Both bank accounts AND wallets should be shared between characters, f*ck you for trying to protect your cash from your own jackassery while screwing people out of theirs [and maybe CEO prices for all pegasus summons. Wouldn't bother me a bit if it meant less jet scrubs and griefers].

2. Higher insurance fees for higher end cars. I.E. 1% for sh*t cars like sedans and muscles [the current price], 10% for sports, 20% for supers.

I was super pissed when I bought my x80, had it blown up and saw that measly little 20k fee. Screw that.

 

And for those that don't get why the owner doesn't always pay the insurance, you've clearly never dealt with an insurance company. They will sue the sh*t out of whoever is responsible to get their money. You're just lucky it's not more realistic and you're not also fined the 200k in court/attorney fees.

 

 

 

Im sorry but you sure have things f*ckin backwards... and what you just posted makes no sense.

 

1.) f*ck people who protect their cash on other characters? Im sorry but what does someones bank account balance have anything to do with what you're doing? Nothing at all...

 

2.) Higher insurance on more expensive vehicles should only apply to the owner. YOu made the choice to bring it out.. Its your fault if anything happens to it

 

Insurance is not a free pass to be a special snow flake because you bought something expensive.

 

 

As far as insurance companies going after people for insurance money. Well that takes lawyers and courts and PROOF of whos responsible for it. We have none of that in this game. In most cases players use high priced insured vehicles as moving "WEAPONS" in free roam and people defending themselves are the ones that get punished for it.

 

99% of the players in this game are hostile as f*ck and shoot at anyone in sight.. and hide in expensive vehicles. So please show me an insurance company that will aggressively seek out insurance money for their clients after their clients are the ones going around attacking other people from their vehicles.

 

The funny thing anyone who likes insurance as is, is either a troll... OR has no balls. Or in most cases BOTH.

 

 

So as you said at the start. "f*ck those players who protect their money" No no no.. f*ck YOU!

 

Edited June 26, 2016 by .Vooodu.

[.Vooodu.]

 

 

Bring back high insurance . Why the heck was it capped anyway. Itsk called insurance for a reason.

Thats not how insurance works anyways...

 

 

If anything you should pay the insurance because you're the owner..

 

 

Seriously.... Bring it back? Hahahhaa... like wtf.

No if anything they should pay more for blowing it up

 

 

 

So if people are chasing me around tossing sticky bombs at me...shooting me. Trolling me.. And i end up blowing their piece of sh*t PV up.. I should pay more?

 

Is that my reward for doing a good job at eliminating pests? YAY! Pay more... why not?

 

 

Why not just put out a 100 billion dollar vehicle with a billion dollar insurance fee. OMG That would be so awesome right? I could just like drive around LS attack people and hoping one of these free roam idiots BLOW ME UP. And when they blow me up. INSTANT POOR PERSON! EmrgUUD that would be sooooo coool.

 

[TeammateHelper]

Why would the owner pay their own insurance? Do you not know what insurance is?

 

If you have life insurance and you died, do you pay the insurance company?

[.Vooodu.]

Why would the owner pay their own insurance? Do you not know what insurance is?

 

 

Of course i do. Let me tell you.. driving down the street shooting people from my vehicle would not only exempt me from any insurance claims.. But also get my license suspended for life and a hefty prison term.

 

The main problem is people on this forums always try to spin this angle of they are just innocent. good players.. minding their own business. Being peaceful. Which is really not the case most of the time when insurance comes into play.

 

I speak from a more realistic aspect of the game of where everyones a f*ckin hostile animal and will use every dirty trick in the book to stick it to players.. Including using expensive vehicles to attack others just because of the HIGH insurance. Case in point

 

 

I was super pissed when I bought my x80, had it blown up and saw that measly little 20k fee. Screw that.

 

 

 

And that just says it all right there.

Edited June 26, 2016 by .Vooodu.

[WoJo07]

I hated the fact that if someone destroyed my vehicle they paid ~1-2k, and I had to pay 20k+ for some ugly, and unrealistic easy to drive "supercar" like T20 etc.
Even worse, it was that you had to pay over 6k for a Kuruma - which should have no insurance since it's extremely hard to kill someone driving it if you don't have a minigun (although I think it's impossible even with minigun since E&OC).

The only reasonable way, to leave the insurance in the game, would be to equalize it among all cars, except the ones with armoured windows (Kuruma) which should not have any.
Other thing is the cost 20k+ is just a money sink, especially since you can easily call for new one. It should be max 10k.

I'm glad they removed the insurance costs, and hope they won't come back, cuz I know it will be just as bad as it was.

[.Vooodu.]

I hated the fact that if someone destroyed my vehicle they paid ~1-2k, and I had to pay 20k+ for some ugly, and unrealistic easy to drive "supercar" like T20 etc.

 

 

 

Preach bother.

 

I mostly drive a street bike.. And when people blow me up its barely $500.

 

Wheres the balance in any of that?

[TeammateHelper]

 

I hated the fact that if someone destroyed my vehicle they paid ~1-2k, and I had to pay 20k+ for some ugly, and unrealistic easy to drive "supercar" like T20 etc.

 

 

Preach bother.

 

I mostly drive a street bike.. And when people blow me up its barely $500.

 

Wheres the balance in any of that?

Your bike's cheap, but not Sultan ($150) or Tailgater ($366) cheap. Be happy.

[Urustay Gordov Matt D.]

 

 

Bring back high insurance . Why the heck was it capped anyway. Itsk called insurance for a reason.

 

Thats not how insurance works anyways...

 

 

If anything you should pay the insurance because you're the owner..

 

 

Seriously.... Bring it back? Hahahhaa... like wtf.

No if nything they should pay more for blowing it upNo, insurance is good as it is, they did a good job nerfing that idiotic system.

[Death Rains From Above]

Insurance cap or not, the a**hat griefers of Online will not give a crap.

 

Most of them just hide all their money on a second character and return to being little griefing sh*ts. Especially the pricks who spend all damn day hiding in a jet just bombing everyone they see.

[KlIIUMlNATl]

I got 99 problems but a greifer aint one. I destroy PV knowing ill get the satisfaction of making a gta f*ck boy mad, causing them to call up mors. dont give a sh*t losing money even if im broke af as it is.

 

for the record, anyone who gets their panties ina bunch becauae of a GREIFER or TROLL is a f*ck boy because GTA from the get-go was all about making other players mad. This aint the SIMS nor is this real life.

[Fezza1999]

If the aim of gtao was always to grief other players then you wouldn't be able to report someone for griefing.

[Urustay Gordov Matt D.]

Insurance cap or not, the a**hat griefers of Online will not give a crap.

 

Most of them just hide all their money on a second character and return to being little griefing sh*ts. Especially the pricks who spend all damn day hiding in a jet just bombing everyone they see.

Fu*k, didnt know that, is it really possible to hide money on a 2nd character to not pay the insurance?

[CarimboHanky]

to be honest, i'd be happy with R* pushing the insurance cap 2X in exchange for the removal of badsport for pv destruction, face it badsport have done nothing to discourage people from blowing stuff up or leaving jobs and stuff

[KlIIUMlNATl]

If the aim of gtao was always to grief other players then you wouldn't be able to report someone for griefing.

i wouldnt say its the aim, but sh*t, what else can you do in GTA besides buy property and collect cars. your still walking around LS with guns and artilery.

 

 

I know Im making things a little too simple but it seems that the people who shouldnt be even be playing (this game is rated Mature) are the ones who have too much to say.

[SaltyGTAFMember]

to be honest, i'd be happy with R* pushing the insurance cap 2X in exchange for the removal of badsport for pv destruction, face it badsport have done nothing to discourage people from blowing stuff up or leaving jobs and stuff

If they remove badsports and add negative values to player's accounts

[CarimboHanky]

 

to be honest, i'd be happy with R* pushing the insurance cap 2X in exchange for the removal of badsport for pv destruction, face it badsport have done nothing to discourage people from blowing stuff up or leaving jobs and stuff

If they remove badsports and add negative values to player's accountsagree!

[Smooth Longsack]

Meh.

[.Vooodu.]

 

to be honest, i'd be happy with R* pushing the insurance cap 2X in exchange for the removal of badsport for pv destruction, face it badsport have done nothing to discourage people from blowing stuff up or leaving jobs and stuff

If they remove badsports and add negative values to player's accounts

 

 

 

When i read comments like this i always wonder what game people are playing? Whats players obsession with having other players money?

 

 

But seriously.. They will never ever add negative values to players accounts as that would effect shark card sales. And really how does negative values even make sense or solve anything other then making poor players or players trying to save money BROKE?

 

If anything they should remove insurance and let players play the game as is...Because its not needed. The game has passive mode... and the game has mass amounts of weapons and explosives to use in self defense.

 

If said player refuses to use passive...and still decided to engage in pvp type play in free roam. Insurance should not come into play and neither should BAD SPORT.

[rlk232]

It's TERRIBLE. I'm not buying a $2.7m car if some jackass doesn't have to pay $35k for blowing it up. They'll have to the squeakers who blow up cars, but not to people who want to get crate delivery solo.

[.Vooodu.]

 

 

I hated the fact that if someone destroyed my vehicle they paid ~1-2k, and I had to pay 20k+ for some ugly, and unrealistic easy to drive "supercar" like T20 etc.

 

 

Preach bother.

 

I mostly drive a street bike.. And when people blow me up its barely $500.

 

Wheres the balance in any of that?

Your bike's cheap, but not Sultan ($150) or Tailgater ($366) cheap. Be happy.

 

 

 

 

Be happy? If some assclown in a Proto starts driving down the street chucking sticky bombs at me..Obviously the sticky bomb thrower knows full well hes paying jack sh*t for blowing my bike up. But also knows full well im paying 20k for blowing him up.

 

How does that even make sense.. And why should i be happy? Should i just go get my proto too? Why even bother driving cheaper or different vehicles?

 

Is the end game of GTA O driving around in expensive vehicles trying to get the 'other guy' to blow it up in self defense and pay money?

Edited June 27, 2016 by .Vooodu.

[aaronBLUEeyes]

With all the glitched/modded money and workarounds, no griefer worries about the insurance cost. There are even methods to destroy a car and have the owner pay the insurance. In my opinion, insurance must be removed completely because it only affects legit players who accidentally destroy their own car.

No, I disagree and it should be the opposite and all insurance costs should be increased.

[.Vooodu.]

 

With all the glitched/modded money and workarounds, no griefer worries about the insurance cost. There are even methods to destroy a car and have the owner pay the insurance. In my opinion, insurance must be removed completely because it only affects legit players who accidentally destroy their own car.

No, I disagree and it should be the opposite and all insurance costs should be increased.

 

 

 

Well to be honest you can't disagree because insurance only affects legit players.. or broke players.

 

Are you saying only RICH players and players who glitched/modded vehicles should be able to defend themselves against aggressive players in expensive cars without being actually punished?

 

Because in my mind when i see someone defend insurance.. I see a player who enjoys driving around in expensive vehicles just for the insurance cost and nothing else.

 

Again... PASSIVE mode or fight back. Two simple options that works that people just seem to want to ignore.

 

 

I think its funny.. "MORE PAY MORE>> MORE> Someone blows up my ride they should PAY!" Well go kick his f*ckin ass then and stop getting such a stiffy at having their money deleted .

 

Watching people have money deleted after baiting them to destroy an expensive vehicle got boring in 2013.

Edited June 27, 2016 by .Vooodu.