Insurance and Copay

Insurance in Derail Valley serves to reduce costs of fees to the driver, especially at the start of their career. If, for example, the driver crashes their train, causing damage in excess of $500k in fees, they would only need to pay $100 at the start of their career to be cleared of all fees. The rest would be paid by insurance.

The part the driver is paying is called copay and it depends on the session difficulty settings. Every time a driver pays a fee or pays for manual servicing, that money is directed towards meeting their copay requirement. Once the total amount paid reaches the copay requirement, insurance pays all the remaining fees. The funds accumulated towards meeting the copay requirement are then reset to zero, and the driver begins another round of funds towards their copay requirement the next time they pay a fee.

The driver can see their total copay requirement, as well as how much is remaining to be paid before the requirement is reached, on any career manager’s stats screen. Copay requirement starts small, but with every new license bought it increases by the amount listed on that license. This means the more licenses a driver owns, the higher their copay and the more they have to pay for train maintenance.

At the later stages of career, the driver’s copay will often be higher than the cost of a single fee. In that case, each time they pay a fee or do manual servicing, the amount they paid will add up to their copay. When the copay amount is met, insurance will activate and pay for all the fees they have remaining.

See also: Fees, Career Manager, Servicing