Insurance and Copay - Revision history

Slobodan: Lore mention

2025-04-03T14:16:59Z

Lore mention

← Older revision		Revision as of 14:16, 3 April 2025
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	~~Insurance~~ in ~~Derail Valley is there~~ to reduce ~~costs of~~ {{pll\|Fees\|fees}}, especially at the start of ~~your~~ {{pll\|Career\|career}}. If, for example, you ~~crash~~ your {{pll\|Rail Vehicle Types\|train}}, causing {{pll\|Damage Overview\|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.		Train drivers in {{pll\|Lore\|DVRT}} are provided with insurance in order to reduce their {{pll\|Fees\|fees}}, especially at the start of their {{pll\|Career\|career}}. If, for example, you have an accident with your {{pll\|Rail Vehicle Types\|train}}, causing {{pll\|Damage Overview\|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.

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	Your total copay requirement, as well as how much is remaining to be paid before the requirement is reached, can be seen on any {{pll\|Career Manager\|career manager’s}} stats screen. Copay requirement starts small, but with every new {{pll\|Licenses Overview\|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 {{pll\|Servicing Overview\|train maintenance}}, {{Cars & Cargo Damage\|cargo damage}}, or {{pll\|Environmental Impact Fee\|environmental impact}}.		Your total copay requirement, as well as how much is remaining to be paid before the requirement is reached, can be seen on any {{pll\|Career Manager\|career manager’s}} stats screen. Copay requirement starts small, but with every new {{pll\|Licenses Overview\|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 {{pll\|Servicing Overview\|train maintenance}}, {{pll\|Cars & Cargo Damage\|cargo damage}}, or {{pll\|Environmental Impact Fee\|environmental impact}}.

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Slobodan: Tweaks

2025-03-13T15:51:29Z

Tweaks

← Older revision		Revision as of 15:51, 13 March 2025
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	Insurance in Derail Valley ~~serves~~ to reduce costs of {{pll\|Fees\|fees}}, especially at the start of your {{pll\|Career\|career}}. If, for example, you crash your {{pll\|Rail Vehicle Types\|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.		Insurance in Derail Valley is there to reduce costs of {{pll\|Fees\|fees}}, especially at the start of your {{pll\|Career\|career}}. If, for example, you crash your {{pll\|Rail Vehicle Types\|train}}, causing {{pll\|Damage Overview\|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.

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	The part you are paying is called copay, and it depends on the session {{pll\|Difficulty\|difficulty settings}}. Every time you pay a fee or pay for {{pll\|Manual Service\|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.		The part you are paying is called copay, and it depends on the session {{pll\|Difficulty\|difficulty settings}}. Every time you pay a fee, or pay for {{pll\|Manual Service\|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.

	<!--T:3-->		<!--T:3-->
	Your total copay requirement, as well as how much is remaining to be paid before the requirement is reached, can be seen on any {{pll\|Career Manager\|career manager’s}} stats screen. Copay requirement starts small, but with every new {{pll\|Licenses Overview\|license}} ~~bought~~ it increases by the amount listed on that license. This means the more licenses you ~~won~~, the higher your copay and the more you have to pay for {{pll\|Servicing Overview\|train maintenance}}.		Your total copay requirement, as well as how much is remaining to be paid before the requirement is reached, can be seen on any {{pll\|Career Manager\|career manager’s}} stats screen. Copay requirement starts small, but with every new {{pll\|Licenses Overview\|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 {{pll\|Servicing Overview\|train maintenance}}, {{Cars & Cargo Damage\|cargo damage}}, or {{pll\|Environmental Impact Fee\|environmental impact}}.

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	~~{{See also\|Fees\|Career Manager\|Servicing}}~~
	[[Category:Fees & Insurance\|3]]		[[Category:Fees & Insurance\|3]]

Slobodan: Cleanup

2025-03-07T13:08:04Z

Cleanup

← Older revision		Revision as of 13:08, 7 March 2025
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	Insurance in Derail Valley serves to reduce costs of {{pll\|Fees\|fees}} ~~to the driver~~, especially at the start of ~~their~~ {{pll\|Career\|career}}. If, for example, ~~the driver crashes their~~ {{pll\|Rail Vehicle Types\|train}}, causing ~~{{pll\|Body Damage\|~~damage}} in excess of $500k in fees, ~~they~~ would only need to pay $100 at the start of ~~their~~ career to be cleared of all fees. The rest would be paid by insurance.		Insurance in Derail Valley serves to reduce costs of {{pll\|Fees\|fees}}, especially at the start of your {{pll\|Career\|career}}. If, for example, you crash your {{pll\|Rail Vehicle Types\|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.

	<!--T:2-->		<!--T:2-->
	The part ~~the driver is~~ paying is called copay and it depends on the session {{pll\|Difficulty\|difficulty settings}}. Every time ~~a driver pays~~ a fee or ~~pays~~ for {{pll\|Manual Service\|manual servicing}}, that ~~{{pll\|Wallet & Money\|~~money}} is directed towards meeting ~~their~~ copay requirement. Once the total amount paid reaches the copay requirement, insurance ~~pays~~ all the remaining fees. The funds accumulated towards meeting the copay requirement are then reset to zero, and ~~the driver begins~~ another round of funds towards ~~their~~ copay requirement the next time ~~they~~ pay a fee.		The part you are paying is called copay, and it depends on the session {{pll\|Difficulty\|difficulty settings}}. Every time you pay a fee or pay for {{pll\|Manual Service\|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.

	<!--T:3-->		<!--T:3-->
	~~The driver can see their~~ total copay requirement, as well as how much is remaining to be paid before the requirement is reached, on any {{pll\|Career Manager\|career manager’s}} stats screen. Copay requirement starts small, but with every new {{pll\|Licenses Overview\|license}} bought it increases by the amount listed on that license. This means the more licenses ~~a driver owns~~, the higher ~~their~~ copay and the more ~~they~~ have to pay for {{pll\|Servicing Overview\|train maintenance}}.		Your total copay requirement, as well as how much is remaining to be paid before the requirement is reached, can be seen on any {{pll\|Career Manager\|career manager’s}} stats screen. Copay requirement starts small, but with every new {{pll\|Licenses Overview\|license}} bought it increases by the amount listed on that license. This means the more licenses you won, the higher your copay and the more you have to pay for {{pll\|Servicing Overview\|train maintenance}}.

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	At the later stages of career, ~~the driver’s~~ copay will often be higher than the cost of a single fee. ~~In that case, each time they pay a fee or do~~ manual servicing~~, the amount they paid will add up to their copay. When the copay amount is met, insurance will activate and pay for all the fees they have remaining~~.		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 {{pll\|Manual Service\|manual servicing}}.
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	{{See also\|Fees\|Career Manager\|Servicing}}		{{See also\|Fees\|Career Manager\|Servicing}}
	[[Category:Fees & Insurance\|3]]		[[Category:Fees & Insurance\|3]]

Leko at 14:30, 6 March 2025

2025-03-06T14:30:48Z

← Older revision		Revision as of 14:30, 6 March 2025
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	The part the driver is paying is called copay and it depends on the session {{pll\|Difficulty\|difficulty settings}}. Every time a driver pays a fee or pays for {{pll\|Manual ~~Serviciing~~\|manual servicing}}, that {{pll\|Wallet & Money\|money}} is directed towards meeting their copay requirement. Once the total amount paid reaches the copay requirement, insurance pays all the remaining fees. The funds accumulated towards meeting the copay requirement are then reset to zero, and the driver begins another round of funds towards their copay requirement the next time they pay a fee.		The part the driver is paying is called copay and it depends on the session {{pll\|Difficulty\|difficulty settings}}. Every time a driver pays a fee or pays for {{pll\|Manual Service\|manual servicing}}, that {{pll\|Wallet & Money\|money}} is directed towards meeting their copay requirement. Once the total amount paid reaches the copay requirement, insurance pays all the remaining fees. The funds accumulated towards meeting the copay requirement are then reset to zero, and the driver begins another round of funds towards their copay requirement the next time they pay a fee.

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Leko at 14:30, 6 March 2025

2025-03-06T14:30:26Z

← Older revision		Revision as of 14:30, 6 March 2025
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	Insurance in Derail Valley serves to reduce costs of fees to the driver, especially at the start of their career. If, for example, the driver crashes their train, causing damage in excess of $500k in fees, they would only need to pay $100 at the start of their career to be cleared of all fees. The rest would be paid by insurance.		Insurance in Derail Valley serves to reduce costs of {{pll\|Fees\|fees}} to the driver, especially at the start of their {{pll\|Career\|career}}. If, for example, the driver crashes their {{pll\|Rail Vehicle Types\|train}}, causing {{pll\|Body Damage\|damage}} in excess of $500k in fees, they would only need to pay $100 at the start of their career to be cleared of all fees. The rest would be paid by insurance.

	<!--T:2-->		<!--T:2-->
	The part the driver is paying is called copay and it depends on the session difficulty settings. Every time a driver pays a fee or pays for manual servicing, that money is directed towards meeting their copay requirement. Once the total amount paid reaches the copay requirement, insurance pays all the remaining fees. The funds accumulated towards meeting the copay requirement are then reset to zero, and the driver begins another round of funds towards their copay requirement the next time they pay a fee.		The part the driver is paying is called copay and it depends on the session {{pll\|Difficulty\|difficulty settings}}. Every time a driver pays a fee or pays for {{pll\|Manual Serviciing\|manual servicing}}, that {{pll\|Wallet & Money\|money}} is directed towards meeting their copay requirement. Once the total amount paid reaches the copay requirement, insurance pays all the remaining fees. The funds accumulated towards meeting the copay requirement are then reset to zero, and the driver begins another round of funds towards their copay requirement the next time they pay a fee.

	<!--T:3-->		<!--T:3-->
	The driver can see their total copay requirement, as well as how much is remaining to be paid before the requirement is reached, on any career manager’s stats screen. Copay requirement starts small, but with every new license bought it increases by the amount listed on that license. This means the more licenses a driver owns, the higher their copay and the more they have to pay for train maintenance.		The driver can see their total copay requirement, as well as how much is remaining to be paid before the requirement is reached, on any {{pll\|Career Manager\|career manager’s}} stats screen. Copay requirement starts small, but with every new {{pll\|Licenses Overview\|license}} bought it increases by the amount listed on that license. This means the more licenses a driver owns, the higher their copay and the more they have to pay for {{pll\|Servicing Overview\|train maintenance}}.

	<!--T:4-->		<!--T:4-->

Nenad: importing old manual

2025-02-28T15:57:52Z

importing old manual

← Older revision		Revision as of 15:57, 28 February 2025
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	{{See also\|Fees\|Career Manager\|Servicing}}		{{See also\|Fees\|Career Manager\|Servicing}}
	[[Category:Fees & Insurance]]		[[Category:Fees & Insurance\|3]]

Nenad: importing old manual

2025-02-28T15:29:21Z

importing old manual

New page

<languages />
{{OldManualArticleNotice}}
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Insurance in Derail Valley serves to reduce costs of fees to the driver, especially at the start of their career. If, for example, the driver crashes their train, causing damage in excess of $500k in fees, they would only need to pay $100 at the start of their career to be cleared of all fees. The rest would be paid by insurance.


The part the driver is paying is called copay and it depends on the session difficulty settings. Every time a driver pays a fee or pays for manual servicing, that money is directed towards meeting their copay requirement. Once the total amount paid reaches the copay requirement, insurance pays all the remaining fees. The funds accumulated towards meeting the copay requirement are then reset to zero, and the driver begins another round of funds towards their copay requirement the next time they pay a fee.


The driver can see their total copay requirement, as well as how much is remaining to be paid before the requirement is reached, on any career manager’s stats screen. Copay requirement starts small, but with every new license bought it increases by the amount listed on that license. This means the more licenses a driver owns, the higher their copay and the more they have to pay for train maintenance.


At the later stages of career, the driver’s copay will often be higher than the cost of a single fee. In that case, each time they pay a fee or do manual servicing, the amount they paid will add up to their copay. When the copay amount is met, insurance will activate and pay for all the fees they have remaining.
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{{See also|Fees|Career Manager|Servicing}}
[[Category:Fees & Insurance]]