Just when you thought Grand Theft Auto V couldn’t get more lifelike, a modder just went ahead and added insurance fraud into the game.
Blurbs has created a modification that gives GTA 5 pedestrians the ability to fake accidents and sue players in fully realized court proceedings. When an NPC deliberately dives in front of your vehicle, you're instantly teleported to a detailed courthouse where an entire trial unfolds, complete with paperwork, testimony, and a verdict delivered by the most unpredictable jury imaginable.
This isn’t the first rodeo for the Twitch-based modder. His previous projects have included modding himself directly into Red Dead Redemption 2, adding Twitch voice chat functionality to Skyrim so NPCs could speak with whatever his audience typed, and creating a Jack Marston tomahawk mod that turned the young outlaw into a weapon-throwing machine.
What sets Blurbs apart from other Grand Theft Auto modders is that most of his creations come from ideas suggested in chat, which he somehow turns into working code. However, the insurance fraud is arguably his most elaborate creation yet.
With this mod, Blurb combines multiple systems into a coherent experience that triggers whenever an NPC collides with the player’s car, though calling it a collision undersells what’s actually happening. The pedestrians actively throw themselves in front of moving vehicles in exaggerated diving motions, designed to maximize comedic effect, committing insurance fraud in its most blatant form to secure easy payouts.
However, before the actual trial starts, players must complete an incident report that's generated dynamically during the stream. This includes questions submitted by viewers, so you can expect it to be a mix of absurdly personal questions with some legal jargon thrown in, all culminating in a courtroom where Blurb’s Twitch chat takes over as judge, jury, and prosecutor.
The jury itself consists of aliens and sharks, all creating verdicts through the integrated text-to-speech system as chat members fight to influence the outcome.
The mod doesn't limit insurance fraud attempts to human pedestrians either. At various points during streams, animals, including birds and cows, have gotten in on the scam. It’s a spectacle, to say the least. Viewers are treated to a mix of visual comedy, from NPCs deliberately throwing themselves at cars to the bureaucratic humor of filling out ridiculous forms, to the chaos of text-to-speech arguments in the courtroom, and the meta-humor of watching Blurbs try to maintain any semblance of seriousness while defending himself against bovine retribution.
