How to Master Insurance Fraud in Saints Row: A Crash Course in Criminal Compensation

So, you want to know how to commit insurance fraud in Saints Row? Let’s cut to the chase: in the Saints Row universe (specifically Saints Row 2, Saints Row: The Third, and Saints Row IV – the mechanics slightly vary between installments), insurance fraud is a hilariously lucrative activity found within the Activities menu. You essentially throw yourself into oncoming traffic in increasingly theatrical ways to rack up insurance claims. The key is to maximize damage, pain, and of course, your multiplier before the timer runs out. Mastering it involves skillful ragdolling, understanding environmental hazards, and a touch of strategic planning. Now, let’s dive into the glorious details of how to become the ultimate master of staged misfortune.

Understanding the Art of Painful Profiteering

Launching Yourself into Financial Freedom

Firstly, locate an Insurance Fraud Activity. These are marked on your map with a distinctive dollar sign icon over a body outline. Once you accept the activity, you’re given a time limit and a specific target amount of fraud to reach. Here’s where the fun begins.

The core mechanic involves ragdolling your character into oncoming traffic. When the activity starts, you’ll be thrown from your starting point. Your goal is to control your airborne character to hit as many cars and objects as possible. Use the directional inputs (joystick or WASD keys, depending on your platform) to steer yourself into collisions. The more chaotic the collision, the higher the payout.

Building Your Multiplier: The Key to Riches

The multiplier is your best friend in Insurance Fraud. It increases the value of each hit you make, dramatically boosting your total score. You build your multiplier by chaining together consecutive hits and near misses.

• Maintaining Momentum: Don’t stop moving! Hitting something every few seconds is crucial to maintain and increase your multiplier.
• Near Misses Count: Even if you don’t hit something directly, getting extremely close to a vehicle or object will often add to your multiplier.
• Environmental Exploitation: Look for areas with a high density of traffic, explosive objects (like gas stations), and elevated structures (for launching yourself from).
• Ragdoll Mastery: Learn to control your ragdoll. Bouncing strategically can prolong your airtime and allow you to hit multiple vehicles. Use short bursts of movement to change direction mid-air.
• Special Actions: In some games (like Saints Row: The Third), performing specific actions while ragdolling, like spreading your arms or legs, grants bonus points and increases the multiplier.

Leveraging Environmental Hazards

The environment is your accomplice in this lucrative crime. Always be on the lookout for ways to amplify the damage and increase your score.

• Gas Stations: Stand near a gas pump and ragdoll yourself into a vehicle. The explosion will cause massive damage and skyrocket your multiplier.
• Explosive Vehicles: Keep an eye out for trucks carrying volatile materials. A well-placed hit can trigger a chain reaction of explosions.
• Elevated Structures: Buildings, ramps, and hills offer excellent launching points. The greater the height, the more time you have to ragdoll and hit multiple targets.
• Traffic Density: Aim for areas with high traffic flow. Intersections and highways are ideal locations.
• Moving Trains: Trains are slow moving and can cause huge damage. A strategically timed hit is incredibly profitable.

Tips and Tricks for Maxing Out Your Insurance Payout

• Upgrades are Your Friend: Invest in upgrades that improve your character’s ragdoll abilities, such as increased momentum or reduced damage taken.
• Know Your Limits: Each hit has a cooldown period before it can award points again. Don’t waste your time bouncing off the same car repeatedly.
• Embrace the Absurdity: The more creative and over-the-top your ragdolling is, the better.
• Learn the Maps: Familiarize yourself with the locations of each Insurance Fraud Activity. Understanding the traffic patterns and environmental hazards in each location will give you a significant advantage.
• Practice Makes Perfect: It takes time to master the art of ragdolling. Don’t get discouraged if you don’t succeed at first. Keep practicing, and you’ll eventually become a pro.

Insurance Fraud FAQs: Your Guide to Profitable Pain

Here are 12 frequently asked questions to further refine your expertise in Insurance Fraud within the Saints Row universe:

1. What happens if I fail an Insurance Fraud activity? You simply have to restart the activity. There’s no penalty beyond the wasted time. Don’t give up; keep trying!

2. Are there different types of Insurance Fraud activities? Yes. In some games, like Saints Row: The Third, there are variations that introduce different challenges or objectives. Some might require you to hit a specific target or reach a certain multiplier threshold.

3. Can I use weapons or vehicles during Insurance Fraud? No. Weapons and vehicles are not allowed in Insurance Fraud activities. The focus is solely on ragdolling your character.

4. Do difficulty settings affect Insurance Fraud? No, the difficulty setting does not directly influence Insurance Fraud. It’s mostly about your skill and strategy.

5. How do I unlock more Insurance Fraud activities? Insurance Fraud Activities are typically unlocked as you progress through the main story or by completing other activities. Keep exploring the map and completing missions to unlock new opportunities.

6. Is there a “best” location for Insurance Fraud? This varies depending on the specific Saints Row game. However, locations with high traffic density, gas stations, and elevated structures are generally the most profitable. Experiment to find your personal favorites.

7. Can I replay Insurance Fraud activities? Absolutely! You can replay Insurance Fraud Activities as many times as you like to earn money and improve your score.

8. Do upgrades affect Insurance Fraud? Yes! Investing in upgrades that enhance your ragdoll abilities is highly recommended. Look for upgrades that increase momentum, reduce damage taken, or provide bonus points for specific actions.

9. What does a perfect Insurance Fraud run look like? A perfect run involves maintaining a high multiplier throughout the entire activity, hitting multiple targets in quick succession, and leveraging environmental hazards to maximize damage. It’s a beautiful symphony of destruction and profit.

10. How do I maintain my multiplier in Insurance Fraud? The key is to keep hitting something every few seconds. Focus on chaining together consecutive hits and near misses to keep the multiplier increasing.

11. Are there any cheats that affect Insurance Fraud? Some games may have cheats that affect gameplay, but they might not directly impact Insurance Fraud. However, cheats that grant invincibility or unlimited time could potentially be used to your advantage. Use them at your own risk! Cheats can sometimes disable achievements/trophies.

12. Is Insurance Fraud in every Saints Row game? No, not every Saints Row game features Insurance Fraud. It is present in Saints Row 2, Saints Row: The Third, and Saints Row IV.