Insurance and Copay: Difference between revisions
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Insurance in Derail Valley | Insurance in Derail Valley is there to reduce costs of {{pll|Fees|fees}}, especially at the start of your {{pll|Career|career}}. If, for example, you crash your {{pll|Rail Vehicle Types|train}}, causing {{pll|Damage Overview|damage}} in excess of $500k in fees, you would only need to pay $100 at the start of your career to be cleared of all fees. The rest would be paid by insurance. | ||
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The part you are paying is called copay, and it depends on the session {{pll|Difficulty|difficulty settings}}. Every time you pay a fee or pay for {{pll|Manual Service|manual servicing}}, that money is directed towards meeting your copay requirement. Once the total amount paid reaches the copay requirement, insurance will be activated and pay for all the remaining fees. The funds accumulated towards meeting the copay requirement are then reset to zero, and you begin another round of funds towards your copay requirement the next time you pay a fee. | The part you are paying is called copay, and it depends on the session {{pll|Difficulty|difficulty settings}}. Every time you pay a fee, or pay for {{pll|Manual Service|manual servicing}}, that money is directed towards meeting your copay requirement. Once the total amount paid reaches the copay requirement, insurance will be activated and pay for all the remaining fees. The funds accumulated towards meeting the copay requirement are then reset to zero, and you begin another round of funds towards your copay requirement the next time you pay a fee, or manually service a vehicle. | ||
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Your total copay requirement, as well as how much is remaining to be paid before the requirement is reached, can be seen on any {{pll|Career Manager|career manager’s}} stats screen. Copay requirement starts small, but with every new {{pll|Licenses Overview|license}} | Your total copay requirement, as well as how much is remaining to be paid before the requirement is reached, can be seen on any {{pll|Career Manager|career manager’s}} stats screen. Copay requirement starts small, but with every new {{pll|Licenses Overview|license}} it increases by the amount listed on that license. This means the more licenses you own, the higher your copay, and the more you have to pay for {{pll|Servicing Overview|train maintenance}}, {{Cars & Cargo Damage|cargo damage}}, or {{pll|Environmental Impact Fee|environmental impact}}. | ||
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[[Category:Fees & Insurance|3]] | [[Category:Fees & Insurance|3]] | ||
Revision as of 15:51, 13 March 2025
Insurance in Derail Valley is there to reduce costs of fees, especially at the start of your career. If, for example, you crash your train, causing damage in excess of $500k in fees, you would only need to pay $100 at the start of your career to be cleared of all fees. The rest would be paid by insurance.
The part you are paying is called copay, and it depends on the session difficulty settings. Every time you pay a fee, or pay for manual servicing, that money is directed towards meeting your copay requirement. Once the total amount paid reaches the copay requirement, insurance will be activated and pay for all the remaining fees. The funds accumulated towards meeting the copay requirement are then reset to zero, and you begin another round of funds towards your copay requirement the next time you pay a fee, or manually service a vehicle.
Your total copay requirement, as well as how much is remaining to be paid before the requirement is reached, can be seen on any career manager’s stats screen. Copay requirement starts small, but with every new license it increases by the amount listed on that license. This means the more licenses you own, the higher your copay, and the more you have to pay for train maintenance, Template:Cars & Cargo Damage, or environmental impact.
At the later stages of career, your copay will often be higher than the cost of a single fee. At this point it might be economically viable to use manual servicing.