Service ?

[issorrone]

Every truck service cost 200$

2% damage =200$
20% damage =200$
80% damage =200$ ???

i dont why... i dont use cheats mods or someone else.

i think in my ETS was it more cost's like 1500$

thx for help keep trucking :-)

[Willow Rivers]

ATS has insurance, when you repair you shoud see the insurance rate. The better your drive the lower it is. THe $200 is your deductible, insurance pays the rest.

[Twelvefield]

To add to that, if your insurance rate is poor because you have a lot of claims (collisions), you end up paying a higher deductible. However, you don't have to drive very far with a clean record before your deductible drops back down to two hundred clams.

[issorrone]

aaah OK thx :-)

[Bishop]

I really wish ETS2 had this

[issorrone]

yeah but we need stuff to pay money for some ♥♥♥♥ ( to many Money....= Boring)

-Car Wash
-Parking Ticket

and,and,and.....

[ViktorRy]

Originally posted by Willow Rivers:

ATS has insurance, when you repair you shoud see the insurance rate. The better your drive the lower it is. THe $200 is your deductible, insurance pays the rest.

Insurance rate is calculated individually for each own truck, or is it the same for all own trucks?

[Reese]

Iirc the rate is calculated for the driver, not the vehicle.

[Rookie-31st]

I hope they get rid of this co-insurance thing because it makes no sense. Insurance never pays for wear and tear in real life, and in the game you don't even make periodic insurance policy payments, entire coverage is eternal and included within truck price.

[Reese]

Seeing as we run a truck company with many drivers, wouldn't we be self-insured instead? In that case, insurance would cover wear and tear as we are the insurer.

[Rookie-31st]

This would imply that you get self-insured company from the start while having single-driver company with practically no safety rating and negative net worth since we take loan to buy a truck at the start of the game. Not going to happen. You would need to place sufficient bond for each truck in order to be self-insured

In any case, even self-insured company does not pay for wear and tear through insurance accounts. Self-insured companies use insurance same way they would use commercial insurance policy - to cover for accident expenses only, not regular maintenance.

[Twelvefield]

If you somehow fooled an insurance provider into paying for incidentals, your premiums would go through the roof. Same if you self-insured (if that's even possible for trucks), the bond you'd be required to finance would be astronomical.

Starting out with your first truck, no bank would ever backstop that loan, as has been mentioned. But: it's just a pretend game. If mortgages and bank loans were realistic in ATS, SCS would need to hire therapists for this forum. Or at least restrict the in-game radio to hurtin' C&W music only.

[ViktorRy]

Originally posted by Reese's Cup:

Iirc the rate is calculated for the driver, not the vehicle.

How many often the insurance rate is recalculating (increasing/decreasing)?
(some days, driven miles, completed jobs)

[Rookie-31st]

Not sure about commercial vehicles and trucks, but for personal vehicles typical insurance policy covers 6-month or 12-month period. Insurance company usually makes adjustments at the end of period, or recalculates if you change vehicle

Rate does not depend only on a driver, it also depends on a vehicle. More expensive vehicles would result in higher rate. Same driver would pay higher rate for 30K vehicle than for 20K vehicle. Also, there are several layers of coverage. If you buy a car for cash, you can ask for minimum required coverage. If you lease or finance a car, however, you will be forced by lender to get maximum coverage which would result in higher rate.

[Hiro Protagonist]

Originally posted by Rookie-31st:

I hope they get rid of this co-insurance thing because it makes no sense. Insurance never pays for wear and tear in real life, and in the game you don't even make periodic insurance policy payments, entire coverage is eternal and included within truck price.

Think of it as being like capped-price servicing for your car

[ViktorRy]

Originally posted by Rookie-31st:

... typical insurance policy covers 6-month or 12-month period. Insurance company usually makes adjustments at the end of period, or recalculates if you change vehicle...

Rookie-31st, thanks for reply. Is the ATS's ecomic system use similar insurance policy? May be, the reporting period is shorter...