> ## Documentation Index
> Fetch the complete documentation index at: https://docs.aps-store.com/llms.txt
> Use this file to discover all available pages before exploring further.

# insurance.lua

Insurance price formula and plans. More in the [Vehicle Insurance](https://docs.aps-store.com/assets/aps_cityhall/guides/vehicle-insurance.md) guide.

> [!NOTE]
>
> Runs on: **shared**. This file stays editable when the resource is escrow-protected. Restart the resource after editing.

***

## Full View

Preview File Updated: 3.7.0 - 02.11.2026

```lua config/insurance.lua lines expandable theme={null}
Config = Config or {}

Config.Insurance = {
    -- ─────────────────────────────────────────────
    --  Price formula:
    --    price = max(minPrice, floor(vehiclePrice * basePctPerDay * categoryMultiplier * days))
    --
    --  Example with basePctPerDay = 0.00005:
    --    $900,000 Adder (super, mul=1.5), 30 days
    --    → 900000 × 0.00005 × 1.5 × 30 = $2,025
    -- ─────────────────────────────────────────────

    basePctPerDay = 0.00005,

    -- ─────────────────────────────────────────────
    --  Per-category price multipliers
    --  Category strings must match the `category`
    --  column in the vehicles table (case-insensitive).
    -- ─────────────────────────────────────────────
    categoryMultiplier = {
        super         = 1.5,
        sports        = 1.3,
        sportsclassic = 1.2,
        muscle        = 1.1,
        coupe         = 1.0,
        suv           = 1.0,
        offroad       = 1.0,
        sedan         = 0.9,
        motorcycle    = 0.9,
        compact       = 0.8,
        van           = 0.8,
        truck         = 0.8,
        commercial    = 0.8,
        bus           = 0.7,
        industrial    = 0.7,
        military      = 2.0,
    },

    defaultMultiplier = 1.0,

    minPrice = 100,

    -- ─────────────────────────────────────────────
    --  Available duration plans shown in the UI
    -- ─────────────────────────────────────────────
    plans = {
        { label = '7 Days',  days = 7   },
        { label = '30 Days', days = 30  },
        { label = '90 Days', days = 90  },
        { label = '1 Year',  days = 365 },
    },
}
```


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