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Insurance Fraud

Insurance Fraud pays you for getting hit. Downtown targets are $80,000, $200,000, and $450,000. Carver Island is $70,000, $200,000, and $450,000. Adrenaline raises the damage you can bank. Clearing the set unlocks the achievement Ouch.

Second Steam store screenshot from the 2011 Saints Row: The Third page
Steam store screenshot from Saints Row: The Third Remastered

How the score actually moves

You ragdoll into traffic and the damage counter is the money. The wiki’s tips are practical: use a long straight road, avoid intersections where the combo drops, keep the combo alive, and spend Adrenaline. Angel’s story instance sits on Carver Island, so that location is not only a free-play spot.

Searchers ask about “car density very low.” I do not have a sourced bug report that proves a traffic glitch. I will not describe a fix for a bug I cannot cite. If cars feel sparse, the tips above are still the scoring method. Target values come from one wiki family.

A repeatable route through an attempt

Choose the activity marker for the district whose target you are trying to clear. Build the damage total by staying in a chain of impacts, then use Adrenaline to extend the time spent bouncing between traffic. A long straight section gives more room to continue a chain than a junction where vehicles stop or turn away. Watch the current target rather than treating each collision as an isolated payout. Complete both districts’ instances for Ouch.; a single story introduction does not replace the remaining activity markers. These are activity score targets, not the amount of spendable cash added to the player’s wallet.

FAQ

What are the Downtown targets?

$80,000, $200,000, and $450,000.

What does a full clear unlock?

The achievement Ouch.

Sources

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Source groups cited on this page1 source group2026-10-31