How To Get Insurance In GTA 5 Story Mode? 5 Easy Tips!

Do you want to learn how to get insurance in GTA 5 story mode? If yes, don’t hesitate to read this guide to help you protect your vehicle from damage or loss with insurance in GTA 5.

Truly, insurance is a highly valuable feat. It’s useful in avoiding passive mode or if you’re playing on a busy server wherein misery is common.

how to get insurance in GTA 5 story mode

It’s now or never in getting insurance in GTA 5 story mode. So be among those players who benefitted already from it.


Tips To Getting GTA 5 Story Mode Insurance

So, here you go with these tips on how to get GTA 5 story mode insurance.


#1. Get an understanding of the claim first

Contact the insurance company if you have destroyed your car. Do the same if the police have destroyed it after being seized. Receive an additional or small deductible for the replacement of the vehicle. It also already includes the modifications installed. Regarding the deductible cost, it varies according to the vehicle’s value. Nonetheless, it’s always 1.25 percent of the replacement cost. That does not yet include the modifications. If another player has damaged the vehicle, the deductible is removed from their funds. The owner no longer pays this. It is unless sufficient funds are available.

The said deductible is not paid by the player and another player when playing on PC. It is based on Title Update 1.33, highlighting the insurance fraud scheme. Cheaters were only using deductibles to make the players unhappy. They are aimed at generating higher cost and insured vehicles. It thereby makes the player liable for an explosion.

The bank account of the player is then emptied in a few minutes. But in some conditions, PC players are required to pay the deductible in the vehicle damage of another player.

The vehicle replaced is re-insured right away. All of the replacement vehicles go straight to the Morse Mutual storehouse. But only if a player has used another vehicle or multiple vehicles will this not continue. To help you, check out how to get insurance in GTA 5 story mode is also easier. The replacement is to be delivered straight to the garage of a player.


 #2. Take note of the patch notes

Here are the patch notes that you should consider: 


 Patch 1.10

This states that a player is not required to pay anything relevant to insurance. Waiting for four in-game days is needed to comply with this. This is for the personal vehicle to be destroyed. Even the vehicles destroyed under the Collector’s Edition won’t be recovered from the post-patch. It is valid for those who don’t have them. The same is true for the Space Docker not recovered from the subsequent patches.


Patch 1.16

Patch 1.16 requires a player not to pay for insurance. It is in this case that their vehicle is not destroyed. It is also if the player that destroys it has no sufficient funds. These funds are intended for paying the insurance.


Title Update 1.17

The title update of 1.17 enables players to make a claim all in just one phone call. It is if they have multiple & destroyed vehicles. It is advised as better than making separate calls for every vehicle.


Patch 1.42

Patch 1.42 has the rule to follow if one player from the hangar destroys the personal plane of a player. A 1000-dollar premium is to be paid by the owner rather than the one who destroyed it. Even aircraft fall at no charge when destroyed by environmental hazards, players, and NPCs. Premium insurance is also not taken from the owner of the player who destroyed his plane. The owner only pays this if he’s the one who destroyed it.


#3. Theft or accident

File a claim for car explosion or theft with Mors Mutual. Then, visit the contacts section wherein they can be found. They’ll for sure give you a brand new car to be picked up. It’s found on the map with the help of a car marker. A car stolen can still be tracked by using a map marker. It is only if there’s a tracker. A counterclaim has to be filed first upon leaving a game, or a car explode occurs. It is the best way to get insurance in GTA 5 story mode. If I were you, know the fastest way to get your destroyed car back in GTA 5. 


#4. Insuring a vehicle online in the GTA 5

Visit the Los Santos customs with all the insurance categories provided. After paying, the vehicle is also already insured. Morse Mutual Insurance will restore the vehicle if it’s damaged. That’s if someone’s responsible for destroying it. But if it’s your fault, you must pay for the cost according to the vehicle’s value.

Decide to insure your vehicle at the Los Santos Customs. There’s this so-called 1-time bonus to enjoy. The premium prices differ based on the value and the class of the car. If you buy the vehicle online, your purchase already includes insurance.


#5. Premium claiming on GTA 5

Claim this the most accessible way by heading to the Ammu-Nation store. Go straight to the counter. Interact with those weapons mounted on the wall. It  is until you’ve found the Marksman Rifle, Compact Grenade Launcher, Compact Don’t get the rifle. They will go on rage with you now.



Keep these five tips in mind on how to get insurance in GTA 5 story mode. Insurance is something online players like you should use. It’s great as well that a vehicle can be insured for a premium. Just educate yourself more and understand the info seriously as cited. For more insurance articles, read when car is stolen how does insurance cover it and whose insurance company to call after accident. Thank you for reading!

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