Who pays for the destruction of an insured car

grand-theft-auto-online

In GTA Online, I have heard that the players that blow up your PV (personal vehicle) will have to pay for your insurance. But in my case, when other players blow up my PV, I have to pay for it. Is this a glitch and if so how do I fix it?

Best Answer

Who pays the insurance claim changes depending on the person that destroyed the vehicle and where it was. The cost of the insurance claim changes based on the total price of the vehicle including modifications:

  • For vehicles under GTA$100.000, is the 10% of the total cost
  • For vehicles over GTA$100.000, it is always GTA$10.000

A couple of examples showing who pays and what price:

  • If you are playing in PC, the insurance claim is free for the vehicle owner, no matter who destroyed it
    • This was done by Rockstar Games to prevent an exploit that allowed cheaters with mod menus to drain other player's bank accounts by impersonating them (here is an example)
  • If your vehicle is destroyed in a mission, the insurance claim is free
    • Player A blows up the Armored Kuruma of Player B during Pacific Standard - Convoy. Because it was during a mission, neither Player A or Player B pays for the insurance. Player B can claim a new vehicle for free.
  • If a player destroyed your vehicle in freeroam, that player pays the insurance
    • Player A blows up Player's B stock T20. Because it costs more than GTA$100.000 (GTA$2.200.000), the insurance cost is reduced to GTA$10.000. Player A pays GTA$10.000.
      • If he does not has the GTA$10.000, the owner needs to pay the rest of the money missing from those 10k.
  • If you destroyed your own vehicle directly in freeroam, you pay the insurance
    • Player A blows up his own Buzzard. Because he was the direct cause of the destruction of the vehicle, he needs to pay the GTA$10.000 of the insurance (the Buzzard costs GTA$1.750.000).
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