Insurance and Copay

Train drivers in DVRT are provided with insurance in order to reduce their fees , especially at the start of their career . If, for example, you have an accident with 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 , 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 .