What if a player teams up with an accomplice, and instructs them to "steal" their ship, then claims it as stolen? The player making the claim gets a nice new replacement, but their buddy has also gained a ship. I hadn't even considered that, but CIG has: the issue of fake insurance claims. "Yes, that has the potential for insurance fraud," Roberts told me. "Its VIN number, basically its ID number, is registered as stolen." In other words, AI security forces, in areas of the universe it is present, will be aware of stolen ships and won't take kindly to the players piloting them. "There will be a bounty on the thief, and there will be only be certain places the thief could sell it, and they wouldn't be able to land it in the main landing zone. "That other ship is now hot," Roberts said. However, selling a stolen ship, or even landing in certain places, could prove difficult or impossible for the ship-jacker. The thief will get to keep it, even though insurance is providing your replacement. First of all, the stolen ship is still out there, somewhere. But that won't be in 3.0."įiling a claim for theft adds a couple of different wrinkles as compared to a claim for a ship that's been destroyed. "Later on you'll be able to get supplemental insurance to insure your upgrades. So, if you went out and you upgraded, bought some new components, weapons, put them on the ship, and then you lost your ship? Those components or weapons will be gone, you'll just be getting the default starter ship back. "But for 3.0 it's not really going to make much difference because every ship has insurance, you're getting the base ship back. " Basically, the ships that players bought with cash have lifetime insurance which basically means that they don't have to re-up their premiums after a certain period of time," he said. "But the more times you claim," Roberts said, "the higher the deductible gets." This is another way to get players to take their ships seriously, to avoid rushing into danger or at least to proceed with caution, and especially to earn in-game money through missions and get their ships repaired instead of just junking them when they've taken a little damage.Īs far as the ships some players have bought with real-world money, rather than those paid for in-game, Roberts also explained how that would work. Of course, like real insurance companies, Star Citizen's fictitious insurance company won't be completely forgiving. If you don't want to pay that money, you can try being patient: the deductible will eventually burn down to zero and you'll receive your replacement ship without having to pay anything extra. If you've bought insurance, and your ship gets destroyed, you can pay the 10% deductible, which will expedite the replacement of the ship. Of course, your ship will get blown up at some point, which is where the insurance comes in.
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