OptimizationUpdated Sep 27, 2026Verified
Insurance, Pegasus, and the Fees You Forget
The quiet costs that drain your balance and how to stop them.
5 minBeginner$10K+ / hour
Time
5 min
Payout
$10K+ / hour
Difficulty
Beginner
Cost
Charged when your destroyed car is claimed
Who pays
The player who destroyed it pays other players' insurance
Step by step
- 1Keep insurance on every personal vehicle.
- 2Avoid destroying other players' cars.
- 3Use Mors Mutual to reclaim destroyed cars.
Common mistakes
- Assuming insurance is free.
Section 01
The brief
Between insurance claims, Pegasus deliveries, and wardrobe resets, small fees quietly tax every session.
- Insurance covers destroyed personal vehicles for a small fee
- Destroying your own car means you pay the premium yourself
- Unclaimed vehicles can be recovered from the Mors website
Section 02
Recommended route
Insure anything you actually drive, avoid Pegasus spawns for short trips, and keep one cheap daily driver for risky streets.
- Insure every personal vehicle when you buy it
- Recover, do not re-buy, after a destruction
- Avoid destroying your own vehicles to skip travel
Section 03
What good looks like
The savings are invisible until you notice your balance stops leaking between payouts.
- No vehicle ever permanently lost
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Last verified: Sep 27, 2026. Figures are editorial summaries; in-game menus remain the final authority.