Cyberpunk 2077 car insurance mod wants you to check yourself before it destroys everyone


Driving recklessly is an open-world game tradition. Leaving a trail of crushed cars, dead pedestrians and downed streetlights behind you is just a fact of life, whether you’re on a quest to save the world or just heading to the store to pick up a new pair. of kicks. The wreckage, meanwhile, is neatly cleaned up, and there’s no sign of your wanton destruction the next time you pass that same corner.

It’s not really fair to the citizens of the world whose cars you swipe, punch, scratch, smash or destroy, and now a mod has come along to at least balance the scales a bit.

Spotted by PCGamesN (opens in a new tab)the drive carefully mod (opens in a new tab) for Cyberpunk 2077 creates a new invisible entity in Night City: the NCID, or Night City Insurance Department. From now on, if you hit, bump, crush or scratch another car while driving, you will have to pay a fine.

The NCID is just as invasive as those mantis blades you’ve slipped into your forearms. You, and the entire population of Night City, have been enrolled in the insurance plan, with your bank account linked to the department’s unblinking electronic eye. When speeding in your car, if you hit another vehicle, you will be automatically fined and the money will be deducted from your wallet instantly.

Nor is it a fixed fine. There’s a sliding scale for fees, with a frontal collision costing more than a little nudge on someone’s rear bumper. Insurance costs aren’t usually too devastating, with fines usually totaling less than 100 whirlwinds for minor accidents, but if you really want to punish yourself (or be much more realistic about insurance companies), you can increase the amount each collision will cost you. in the mod config file.

As in all bureaucratic systems, there is a loophole and you can always get away with denting someone else’s car without paying a fine. Parked, unoccupied cars won’t be registered with the NCID, so if you’re feeling destructive, you might want to limit your reckless driving to parking lots full of empty vehicles. Also, if the driver of a car is dead or incapacitated (and I’m not suggesting you have anything to do with that), you can ram their vehicles at will and not be fined.

Unfortunately it doesn’t seem like the mod pays you if an NPC hits your car, but let’s face it, you are probably the number one cause of accidents in Night City. Slow down, drive carefully and obey the rules of the road, willya? You can find Drive Carefully mod here at Nexus Mods (opens in a new tab). This requires another mod, Redscript (opens in a new tab)to make it work.


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