Get Vehicle Insurance at Gerald’s Insurance
Losing a vehicle in Project Catalina can be extremely frustrating, especially after spending hours grinding for it. This is even more upsetting when a crash feels unfair or out of your control. While we understand how upsetting these situations are, there is an important system in place that every player should know about.
Why Cars Can Be Lost
In Project Catalina, vehicles are not protected by default.
If your car is involved in a crash, glitch, or is otherwise destroyed without active insurance, the vehicle is permanently lost.
This applies even if:
You were driving legally
Another player or emergency vehicle caused the crash
The incident was caused by lag or physics issues
Without insurance, the system treats the vehicle as uninsured loss.
How Insurance Works
To protect your vehicle, you must purchase insurance before something happens.
You can do this in-game at:
Quinn’s Insurance
Once insured:
Your vehicle is protected if it is destroyed
You will not permanently lose the car
You avoid losing large amounts of money due to accidents
Insurance is meant to protect players from exactly these situations.
Why This Is Important
Project Catalina is designed to be realistic. Driving without insurance carries risk, just like in real life. While staff understands the frustration of losing a vehicle, uninsured losses cannot be restored, even if the situation feels unfair.
What We Recommend
Always insure expensive vehicles immediately after buying them
Do not drive high-value cars without insurance
Treat insurance as part of the cost of owning a vehicle
Final Note
We genuinely understand how frustrating it is to lose a car you worked hard for. The best way to prevent this from happening again is to make sure your vehicles are insured at Quinn’s Insurance before hitting the road.