How to Get Car Insurance in GTA 5 Story Mode: A Comprehensive Guide
The chaotic streets of Los Santos in Grand Theft Auto V (GTA 5) are no stranger to vehicular mayhem. Whether you’re evading the police, participating in illicit street races, or simply enjoying a leisurely drive, the risk of damage to your beloved car is ever-present. This leads to a crucial question for every player: How do you get car insurance in GTA 5 story mode?
The initial answer is quite straightforward: You get free car insurance and a tracker for the first car you steal during the tutorial mission when you take it to a Los Santos Customs. This is a one-time courtesy, but it sets the stage for how insurance works in the game.
After this initial introduction to the system, any additional vehicles you wish to protect will require a trip to any Los Santos Customs shop. Here, for a fee, you can insure your vehicles and equip them with trackers. This process ensures that your cars are not lost forever if damaged or impounded, and the tracker will help you retrieve your car in case of theft. Note that this applies to cars you steal; vehicles purchased online come with these features already activated.
Understanding Car Insurance in GTA 5 Story Mode
The Basics
In GTA 5, car insurance is a system that protects your personal vehicles from being permanently lost after being damaged or destroyed. Once a car is insured, you have the ability to reclaim it should the worst happen. This system is crucial for players who grow attached to their rides or have spent time and money customizing them.
How It Works
The core function of the insurance in GTA 5 is handled through Mors Mutual Insurance. If a player’s insured vehicle is destroyed, they can contact Mors Mutual on their in-game phone. After a brief processing period, Mors Mutual will deliver a brand new version of the destroyed vehicle. This service is free of charge, meaning you won’t have to pay to get your car back once it has been insured.
Where to Get Insurance and Trackers
As mentioned, any Los Santos Customs location will offer the service of insuring and tracking your vehicle. These garages can be found across Los Santos and Blaine County. It is important to keep in mind that the insurance and tracker function are automatically applied to cars purchased online, only stolen vehicles need to be taken into the shop.
Important Points
- Insurance and trackers are tied to a specific vehicle and cannot be transferred or removed. Once a car is insured, it remains insured unless you choose to replace the car.
- If you do not insure your vehicles they are gone for good once they are destroyed and cannot be retrieved from Mors Mutual. They will only show up in the impound lot if they are damaged and impounded by the police.
- You can insure as many cars as you can store, however, storage capacity for vehicles is limited, so be selective.
- It is also important to note that only personal vehicles are covered by insurance. Cars that you find or steal that you haven’t insured are not eligible for a free replacement from Mors Mutual.
Frequently Asked Questions (FAQs)
1. Can I remove car insurance from a vehicle in GTA 5?
No, you cannot remove insurance or a tracker from a vehicle once it has been applied. This is a permanent setting for each vehicle you choose to protect.
2. What happens if my uninsured car gets destroyed?
If an uninsured car gets destroyed, it is permanently lost. You will not be able to retrieve it via Mors Mutual or any other in-game method. You will have to find a replacement.
3. How do I get my car back if it’s impounded?
Uninsured cars that have been impounded are sent to the impound lot. To retrieve them, you can either steal them back or pay a fee.
4. Does the insurance cover damage from crashes or explosions?
Yes, car insurance covers all forms of damage that result in the destruction of the vehicle, including crashes, explosions, and submersion in water.
5. How do I use Mors Mutual Insurance?
To use Mors Mutual Insurance, open your in-game phone, navigate to your contacts, and call Mors Mutual. They will then deliver a replacement of your destroyed insured vehicle.
6. Is there a limit to the number of vehicles I can insure?
You can insure as many cars as you have storage space for in your garages. This means you can accumulate a large collection of insured vehicles, but are still limited by storage.
7. Can I insure special vehicles such as tanks or aircraft?
No, car insurance applies specifically to vehicles that can be stored in a personal garage, which excludes tanks and aircraft. These vehicle types are not stored within a garage, and are therefore not applicable for this type of insurance.
8. Is there a cooldown period after my car gets replaced by Mors Mutual?
No, there isn’t a specific cooldown period. As soon as Mors Mutual processes your claim, your car will be available for delivery. However, there may be a short wait time depending on how frequently you destroy your cars.
9. Can other players steal my insured car?
Yes, other players can steal your insured car, but this is when a tracker is particularly useful. The tracker will show you the location of your vehicle, but will not prevent other players from taking it. If it is destroyed by another player you can still retrieve it from Mors Mutual.
10. Does the cost of insurance vary between cars?
No, the cost to insure a car is the same no matter the make or model of the vehicle. The cost is a standard rate at Los Santos Customs.
11. Does insurance protect stolen cars if they aren’t personal vehicles?
Insurance only applies to personal vehicles that have been taken to Los Santos Customs for the service to be applied. A stolen car will not have insurance or a tracker unless the player applies the service themselves.
12. Can I get a refund for insurance if I sell the car?
No, you cannot get a refund for the insurance if you sell the car. The insurance is tied to the vehicle itself, and any new owner will not benefit from your previous investment in insurance.
13. How much does it cost to insure a vehicle?
The cost to insure and track a vehicle is $400.
14. Are there any alternative ways to protect my cars other than insurance?
No, car insurance via Los Santos Customs and Mors Mutual is the only way to protect your vehicles from permanent loss in GTA 5’s story mode.
15. What if Mors Mutual doesn’t answer?
If you have recently called Mors Mutual, you may be unable to call them back immediately. However, usually, if they are not answering, it means that there is no insured vehicle that has been destroyed, therefore no claim can be made.
In conclusion, car insurance in GTA 5 story mode is an essential feature for preserving your collection of vehicles. Always remember to take your stolen car to Los Santos Customs to ensure it is tracked and insured. With these tips and information, you can confidently explore Los Santos without fear of losing your favorite rides permanently.