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The goal of Insurance Fraud is to commit the most damage to yourself by prat-falling into oncoming vehicles and earning the specified amount of money for that level.
In Saints Row there are three Insurance Fraud locations: one for each gang. They each start out with a brief cutscene that involves The Protagonist and another person who explains what to do and convinces The Protagonist to commit to the activity. Each location consists of 8 levels that become progressively challenging as The Protagonist is required to earn more money each time they complete a level. The Protagonist only becomes invincible to fall damage and vehicle damage during this mission if they first take a pratfall. Unintentional collisions will not yield rewards.
Unlike Saints Row 2 and Saints Row: The Third, in Saints Row The Protagonist will earn bonuses for getting hit by civil vehicles (Ambulance, Five-O, etc), by getting more air time, for getting launched further and for special circumstances such as being ejected from a vehicle or being witnessed by pedestrians or authorities. This allows for big bonuses and high fall scores as each bonus is multiplicative.
The easiest ways to earn money during Insurance Fraud in Saints Row is to play near or on the highway, to be ejected from a Five-O, to be ejected from a vehicle by colliding with a Five-O or Ambulance, or to be hit with the El Train.
- "Can Legal Lee Help You?" (Vice Kings) - Legal Lee, Downtown
- "Legal Action" (Westside Rollerz) - Chinatown
- "Doctor's Orders" (Los Carnales) - Barrio
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- Safety First - Reduced car collision damage - Los Carnales Insurance Fraud.
- Safety First - Reduced bullet damage - Vice Kings Insurance Fraud.
- Safety First - Reduced explosion damage - Westside Rollerz Insurance Fraud.
- Holistic - Health regeneration triggers faster - All Insurance Fraud
Saints Row 2Edit
The player can make themselves invulnerable to kinetic damage (falling, being hit by a car), and collapse in place. When running or jumping, pressing the Throw button will throw The Protagonist in that direction. In addition to this, the player can drive a car or bike into another object, creating an 'Ejection Bonus'. When the activity is activated, some of the cars on the road will drive violently and at higher speeds without stopping for anything. This gives the player a higher chance of stepping in front of the moving vehicle and "bail" to get a higher score.
In Saints Row, several conditions affect the score of any one 'bail', witnesses, distance, amount of cars hit and whether or not those witnesses/cars are government-owned. Any of these factors grants a bonus or multiplier to the score.
However, in Saints Row 2, a completely new system takes place of the old one. In SR2's Insurance Fraud, player first run into vehicles to increase his "Adrenaline Meter". Once the max is reached and the meter is activated, the player will fly up higher, travel further, and have more control where he will land This allow him to hit more vehicles in a sequence, which grants more and more bonus multipliers and money as long as he do not hit the ground until the meter is emptied.
To start the timer and start earning money for the activity the player must reach a particular district of Stilwater, but once there they can go anywhere else for the rest of the duration. However, the player remains vulnerable to bullets, explosions and fire, as well as rendering them unable to utilize a weapon, meaning that getting notoriety with the police or a gang can effectively ruin a round of Insurance Fraud.
Upon reaching the destination a marker will appear on the map indicating the Adrenaline Zone, staying in this small area will allow the players adrenaline meter to fill up more quickly than usual, once full much more money will be earned and the player will be thrown further distances, maybe even several city blocks.
Also of note is that the player can use the right analog stick to alter where they fly if they've been hit, which is quite often necessary for the largest chains.
- Level 3: Reduced vehicle damage (5%)
- Level 6: Reduced vehicle damage (15%)
- Level 3: Sprint increased
- Level 6: Unlimited Sprint
Saints Row: The Third Edit
Insurance Fraud returns in Saints Row: The Third, and remains largely similar to its Saints Row 2 counterpart, although previous statistics and high-score records now appear during gameplay, and The Protagonist now leaves a splatter of blood on every thing they hit. Also, the activity starts instantly it is activated, there is no need to go to a specific area before it activates. Also, the traffic flow is much more frequent than SR2, which allow the player a higher chance to get hit. This was a major problem in some areas of SR2. Also, accidential hits that were not initiated by the player now count for money totals as well.
- Level 2 - $425,000
- Avoid intersections. Although there are more vehicles passing through an intersection, they will be moving much more slowly, especially once you start making a scene. Instead, look for long stretches of road and run directly towards oncoming vehicles.
- Long combos will earn much more money than multiple short combos.
When played as part of the storyline, there is an opening cutscene.
Angel: "To remind me of what Killbane took from me. It keeps me focused."
Protagonist: "Whatever works for you man, I'm just sayin' I like my place to have working heat."
Angel: "So, you hate discomfort. That's the sort of weakness the Luchadores will capitalize on. Unless you harden up, Killbane will crush you. But don't worry, I'll chisel you out of diamond."
Angel: "By making you experience the worst pain imaginable...now come on, it's time for you to play in traffic."
Player: "Right on -- wait, what?"
— Angel Insurance Fraud storyline cutscene
- ↑ As mentioned in the Achievements and Trophies in Saints Row: The Third list.
- ↑ Saints Row The Third: Insane Car Crash Montage - YouTube