Damage versus Insurance?

[Demon]

Noob question?
Can someone explain what (damage coverage) is for and what if your damage coverage is more than the mission payout?

Thank you for any feedback or information concerning..o7

[Commisar Jon Fuklaw]

Insurance is a payout up to a certain amount of damage taken. If you have 500k C-Bill insurance and your lance takes 750k C-Bills in damage and equipment losses (modifiers not included), you get paid 500k C-Bills. If your lance take 0 C-Bills worth of damage, you get paid nothing.

[Hykril Tynyx]

You can read perfectly well what it means in the game. There's even an additional explanation in the "tutorial" campaign section.

It does precisely what it sounds like: it pays out ONLY the amount needed for repairs based on the damage that has been sustained by your lance's mechs during the mission. It's not a source of free money, you won't receive any leftover "extra" in either direction... but it is a good tool for managing your finances effectively, and to account for the expected losses, because one insurance point is always bigger than any single point of negotiated bonus credits (in vanilla, at least).

[King]

When you get damaged, it shows how much you are damaged for in the end screen. Insurance will add to your pay up to that amount.

You if you buy 1,000,000 insurance, and are damaged for 500,000 in mission, you will get a 500k payout at the end of a mission.

If you get 1,000,000 insurance, and are damaged for 1,500,000 in mission, you get 1,000,000 in insurance

[Demon]

Thank you guys for clearing this up for me.

[Cursed Hawkins]

Originally posted by Commisar Jon Fuklaw:

Insurance is a payout up to a certain amount of damage taken. If you have 500k C-Bill insurance and your lance takes 750k C-Bills in damage and equipment losses (modifiers not included), you get paid 500k C-Bills. If your lance take 0 C-Bills worth of damage, you get paid nothing.

On that subject, it seems adjusting the repair costs completely makes insurance be useless unless you get more serious damage to the mech's structure.

[lordpooky]

Originally posted by Cursed Hawkins:

Originally posted by Commisar Jon Fuklaw:

Insurance is a payout up to a certain amount of damage taken. If you have 500k C-Bill insurance and your lance takes 750k C-Bills in damage and equipment losses (modifiers not included), you get paid 500k C-Bills. If your lance take 0 C-Bills worth of damage, you get paid nothing.

On that subject, it seems adjusting the repair costs completely makes insurance be useless unless you get more serious damage to the mech's structure.

well it is more to soften the blow, if you are usually taking 500k in damage on missions of the sort you are taking getting 400k insurance makes it very worthwhile to do the mission anyway

[Cursed Hawkins]

Originally posted by lordpooky:

Originally posted by Cursed Hawkins:

On that subject, it seems adjusting the repair costs completely makes insurance be useless unless you get more serious damage to the mech's structure.

well it is more to soften the blow, if you are usually taking 500k in damage on missions of the sort you are taking getting 400k insurance makes it very worthwhile to do the mission anyway

Not what I meant, if you adjust the repair costs in the custom difficulty tab, you can end up causing insurance to be useless the majority of the time because doing this will make whatever damage done to your armor won't be calculated on the repair bill the only pieces that will be calculated is if you actually LOSE pieces of your mech like an arm or a leg.

[Dexter in the Dark]

i have to admit that i hardly ever use the Insurance, selvage shares are a far better options in my opinion

[ICE 9]

I use it only occasionally and only early in a career / campaign as a way to get additional cash, or when I don't have a choice (i.e. when I don't have enough c-bill / salvage / air-strike points to use up my mission allowance). By the time you achieve a reputation of 15, you should already have more than enough cash on hand - $1,000,000,000 c-bills or more. It then becomes more cost effective to simply provide your own insurance and pay for all repairs / replacements yourself... ...That's what uncle sam does.

[Flashand]

is the damage ins actually working?? i am playing on epic and it doesnt seem to work at all over there. I get 1m ins have 700k covered and it doesnt seem to pay it

[Hykril Tynyx]

Why didn't you find an even older thread to post in, huh?

[phfor]

I mean, it is at least from this year, for a change

[climbingeastofwinter]

It's been awhile since I've played but damage coverage always worked fine for me. It's also fantastic if you have mechs you want to sell, but you want full value from them not the markdown you'd have to take if you hocked it in a system market. Take a mech you want to sell and use it in combat, and however much value it depreciates due to damage, you just get that money from damage coverage (up to your negotiated limit). Then it's up to you whether you sell the wreck or not.

[Blender McBiscuits]

Why does it matter if the thread is old? It's still in pristine condition. Did the game change or something?

Just to recap, insurance pays off the repair costs, up to the limit of however much the insurance is. It's better than asking for more money, because insurance cover is worth more C-bills per point. So if you think you're gonna take a million in battle damage, get a million in insurance. If you think you'll get out unscathed, then use your points for bonus pay, or salvage, instead.

[pete]

Originally posted by Blender McBiscuits:

Why does it matter if the thread is old? It's still in pristine condition. Did the game change or something?

Just to recap, insurance pays off the repair costs, up to the limit of however much the insurance is. It's better than asking for more money, because insurance cover is worth more C-bills per point. So if you think you're gonna take a million in battle damage, get a million in insurance. If you think you'll get out unscathed, then use your points for bonus pay, or salvage, instead.

It matters because as a rule
1 it's poor form
2 it usually fails to take in more recent updates
3 it's basically just being lazy
4 steam mods don't like it