A complete, realistic insurance, roadside assistance, and accident-claims framework for FiveM.
This resource introduces a fully immersive, AAA-style insurance experience to your FiveM server — combining NPC roadside mechanics, real accident claims, multi-tier policy plans, NCB (No-Claims Bonus), driving records, and interactive insurance offices across the map.
Built for performance, roleplay depth, and long-term server economy balance, this system gives players meaningful responsibility and consequences while improving day-to-day gameplay.
Links
Purchase: (Tebex)
Video Preview: (Youtube)
Note: Ongoing updates may add UI polish, sound effects, and additional animations. Video previews may not reflect the newest version.
Dependencies
- ox_lib
- ox_inventory
- oxmysql
- QBCore / qbx-core or ESX
- Optional: qb-management / qbx-management / ESX society for cut payouts See config
Performance
Outside of a repair or claim event, the script runs 0.00ms idle and uses lightweight callbacks.
NPC roadside repairs use short-lived threads only while active, and insurance office menus use event-based ox_lib UIs, ensuring excellent performance even on populated servers.
Images
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Key Features
NPC Roadside Assistance
A fully animated mobile mechanic NPC who:
- Spawns in a roadside van/truck
- Drives to the damaged vehicle
- Exits, walks to the hood, and performs repairs
- Repairs:
- Engine
- Body deformation
- Tyres
- Windows
- Doors
- Vehicle flip
- Fuel refills
- Exterior cleaning
- Cleans up and despawns realistically
Supports:
- Per-service pricing
- Estimated repair time
- Expedite service (tier-based discount or free)
- Damage-based availability & fuel thresholds
Insurance System
Three fully configurable insurance plans:
- Essential Coverage
- Plus Coverage
- Elite Coverage
Each plan includes:
- Pricing
- Coverage types
- Deductible
- Free/premium expedite
- Expiration date
- Multi-vehicle support
- Physical insurance card (ox_inventory metadata)
- Daily tracking for renewals
Players manage their policy at any Insurance Office.
Insurance Office
NPC agents located around the map with ox_target support.
Players can:
- Buy / upgrade plans
- Edit covered vehicles
- Reissue insurance card
- View current policy
- View claim history
- Access “How This Works” help guide
- Check NCB (No-Claims Bonus) status
Each office features:
- Configurable ped model
- Animation scenario
- Blip support
- Easy regional expansion
Accident Claim System (At-Fault Insurance)
A realistic, roleplay-ready claims workflow:
- Player damages another player’s vehicle
- Targets the victim’s vehicle → “Start Insurance Claim”
- Selects the victim from nearby players
- Confirms responsibility
- System evaluates actual live damage:
- Engine HP
- Body HP
- Burst tyres
- Broken windows
- Generates a repair estimate
- Applies:
- Plan deductible
- NCB tier multiplier
- Sends the victim a claim popup with:
- Driver name
- Plan
- Deductible
- NCB tier
- Estimated repair cost
- Amount driver owes now
Victim Accepts:
- At-fault driver is billed
- NPC roadside mechanic is dispatched to repair victim’s vehicle
- Claim is logged
Victim Denies:
- No charges
- No repairs
- No claim logged
No-Claims Bonus (NCB System)
Dynamic deductible adjustments based on prior claims:
- Gold – 0 claims → lowest deductible
- Silver – 1–2 claims → normal deductible
- Bronze – 3+ claims → highest deductible
Displayed in:
- Claim dialogs
- View Current Coverage
- Driving Record
- Insurance office UI
Driving Record System
Police jobs can view a player’s:
- Insurance plan
- Expiry
- Covered vehicles
- Total at-fault claims
- NCB tier
- Recent accidents
Commands:
- /drivingrecord [ID] — Police/Admin
- /mypolicy — Player self-view
Basic Workflow
Roadside Assistance
- Target vehicle → “Request Roadside Assistance”
- Select repair services
- Review estimated total
- NPC mechanic is dispatched
- Vehicle repaired on site
Insurance & Claims
- Purchase policy at Insurance Office
- Add vehicles to coverage
- When causing an accident:
- Start claim → choose victim → confirm responsibility
- Victim reviews and accepts/denies claim
- NPC arrives to repair victim’s vehicle
- Claim logged + NCB adjusts
Integration
Works seamlessly with:
- QBCore / qbx-core
- ESX
- ox_target
- ox_inventory
- ox_lib
- Any vehicle system
- Any economy
- Roleplay police workflow
Final Notes
This system is built to introduce true realism, responsibility, and economic balance to vehicle ownership. It’s perfect for RP servers wanting immersive accident interactions and a polished roadside/insurance experience.
| Code is accessible | No |
| Subscription-based | No |
| Lines (approximately) | 7890 |
| Requirements & dependencies | ox_lib, ox_target, ox_inventory, ESX, QBox |
| Support | Yes |