Insurance & Police System

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Policies

When taking out your insurance, there will be multiple policies, each covering you for a certain amount in damages. Cover will vary in price depending your previous history. Maximum payouts will range from €100 to €5000 and depend on the policy.

Purchase

You will easily be able to purchase insurance by going to your garage in the 'Home' menu, selecting the car you wish to insure and clicking 'Insure'. This will bring up the different policies, with the cost and how much they cover you for.

Acicdents

When you have a large crash, a message will pop up, telling you that repairs will cost a certain amount of money. If you aren't insured, you'll have to pay the full amount, otherwise that car will be rendered useless and the engine will not start. However, if you are insured, you can use the insurance money, however if there is any excess (you are insured for €100 but the repairs cost €200) you will be forced to pay it. The more expensive the car, the more it will cost to repair, so you will be forced to take out a more expensive policy or risk losing out.

Policing

All cars are to be insured. When police are tracking cars they will have to check whether it is insured by using !check <VIN>. This command will also bring up any previous accidents the car has been involved in, how much mileage it has and recent fines. If the car is uninsured then they will be pulled over. The 1st time the driver will receive a warning and be instructed to take out a policy. This will prevent new users from being unfairly fined. Next time however, they will receive a €300 fine.

Renewal

Insurance will have to be renewed fortnightly, and the user will receive a notice when they log on, informing them that they need to renew their insurance policy/policies and they can either select yes and pay them there, or risk it and drive uninsured.