Grand Theft Auto V

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Rating

Graphics and Sound

Controls

Gameplay

Lasting Appeal

Protects Expensive Vehicles – Players don’t permanently lose high-value cars after destruction.
Encourages Car Customization – Players can invest in custom designs without fear of losing them.
Simple Claim Process – Filing an insurance claim is quick and easy via the in-game phone.
Reduces Griefing Consequences – If another player destroys your car, you can get it back without major loss.
Mandatory for Online Survival – Having insurance ensures you always have access to your vehicles.

Claim Fees Can Be Expensive – High-end cars require large claim fees when destroyed.
Griefers Can Exploit It – Some players intentionally blow up insured cars to force claim payments.
No Refunds on Insurance – If a player accidentally destroys their own vehicle, they must still pay the fee.
Doesn’t Cover Certain Vehicles – Some special or stolen vehicles are ineligible for insurance.
No Policy Customization – Unlike real life, players can’t choose different insurance providers or coverage options.