Copays

[Haeriphos]

Does the copay reset every time you leave the fees screen? Should I just wait until I want a new license before addressing my fees so I only pay the copay once?

[DarkSy]

The copay will be kept track of by the career manager. You will have to pay fees as they come in - if you get too many you won't be allowed to accept another job.

[GamingToFailure]

Also, if you forget to shut off a Loco , the fuel cost will keep going up , wherever you are, until you pay the copay. I think the game shuts off all loco's when you pay. Just a hint.

i noticed when i switched shunters in Harbor and paid copay in Goods n town, my destination. i saw the expense slowly tick up. After i paid, i didnt go up anymore.

[GamingToFailure]

Originally posted by DarkSy:

The copay will be kept track of by the career manager. You will have to pay fees as they come in - if you get too many you won't be allowed to accept another job.

Pretty sure they did this to block exploits like deleting used loco's/ spawn new to avoid costs.

[WiskeyBravo]

It appears that every time you meet the copay, it resets.

Let's say that you have a $8,000 copay. If you first pay fees of $4,000, then you'll have to pay all of that $4,000 and your remaining copay will be $4,000. ($8,000 - $4,000 = $4,000) If your next fees are $4,500, you'll have to pay $4,000 (the remaining copay), and the insurance will pick up the last $500. At that point, your copay will be reset to another $8,000.

What that really means is that you want to pay fees right up to the $7,999 mark, then rack up as many fees as you can so that as much as possible is paid by your insurance. The worst thing to do is to pay fees exceeding your copay by $1, letting your insurance pay the one buck, and then your copay once again resets to $8,000.

It appears that insurance is really just there to protect you from some catastrophic derail or other mistake. In that function, it works. If you start even a small job and total the train, your fees will run many 10s of thousands if not 100s of thousands. In that case, the copay will absolutely be your friend.

If this isn't the way copay insurance is supposed to work, I can assure you it's what happened to me today. I didn't buy any additional licenses. I paid fees that pushed about $250 past my copay, and after one more job, my fees of over $4k were applied to a new insurance copay listed at $0 / $8,000.

[Purple_Finch]

Yes, your copay resets every time you clear your fees and so yes it is more advantageous to wait until you're ready to buy a new license before completely paying off your fees so that way you don't waste money paying your copay multiple times between licenses. **However** if you have a lot of cash on hand and you have a lot of fees racked up, the game will force you to pay off at least some of your fees before it will allow you accept new jobs. You can also use your insurance copay to save some on servicing engines too because if you already have a lot of fees racked up then service fees for the locomotives don't matter all that much since all those fees are wiped as well when you pay your copay and you can abandon locomotives willy nilly.