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Grand Theft Auto V

Grand Theft Auto V

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Image source - play.google.com

Rating

Graphics and Sound

5

Controls

4

Gameplay

5

Lasting Appeal

5

Pros

  • 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.

Cons

  • 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.

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