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Saint's Row 2 Guide - Activities

Insurance Fraud

To progress in Insurance Fraud, you must attain the dollar amount indicated in the top-left corner of the screen before time runs out. Score is built by diving in front of oncoming vehicles, however there is much more to it than that. Though the time limit increases with each successive level, so too does the score needed to progress.

The shoulder buttons (LT/L2, RT/R2) are used to dive in front of incoming vehicles. Getting hit by a vehicle without diving does not increase your score and will only waste time, so always dive before being struck. Pressing one of the shoulder buttons while your character is lying on the ground causes him or her to stand up immediately, adding the score you had been collecting to your total. Always make your character stand up this way when it is certain that no other vehicles will collide with him or her.


The adrenaline bar in the top-left corner of the screen fills when you take damage. Once the bar is completely full, you’ll enter adrenaline mode. While in adrenaline mode, the ragdoll physics are amped up, and collisions will more often than not send your character hurtling into the air. Adrenaline mode is the key to success for this activity.

At the start of each level, you are directed to a certain district where the activity will take place. The timer starts as soon as you enter the specified district, however always travel to one of the special bonus areas that then appear on the GPS. Though you can increase your score anywhere in the specified district, getting damaged in a bonus area fills up the adrenaline meter at a much faster rate.

There is usually more than one bonus area on the GPS, so before heading to one, look at your map and set a waypoint on the area that looks most suitable (those in intersections and near bridges are usually the best). When you reach the bonus area, bailout of your transport or collide with another vehicle have your character crash through the windshield to get started on the adrenaline bar.

Air control is very important. Your character can often be launched up into the air when struck by a vehicle, especially during adrenaline mode. While in the air, you can direct your character using the Left Thumbstick/Analog Stick. Landing on top of other vehicles or being struck again is worth the most score, so try to direct your falling character onto vehicles or towards an approaching vehicle in hopes of building on the score.


If the timer reaches zero while adrenaline mode is active, it’s not over! As long as there is still some bar left, you’re in overtime. So if you only have a minute or so left and adrenaline mode is not active. Work as fast as possible to trigger it so you can go into overtime when the timer hits zero.

The best areas for attaining a high score for each instance of this activity are listed below. If you don’t like the location you’re assigned to, press down on the D-pad twice and then press the A/X button to retry the activity.

Factories District Instance: The highway that runs along the south half of the Saint’s Row District and the T-junction in the northeast quarter of the Barrio District seem to be the most traffic-heavy areas in this instance.

Museum District: The majority of the bonus areas in this instance seem suitable for racking up enough damage. Just pick the bonus areas by bridges or in the middle of a T-junction.


Completing all 12 levels of Insurance Fraud between the two instances unlocks the “Ambulance Chaser” achievement.

Factories District (The Mills) Reward:

Complete Level 3 - Sprint Increase (character can sprint for twice as long).
Complete Level 6 - Unlimited Sprint.

Museum District (Amberbrook) Reward:

Complete Level 3 - Vehicle Damage Reduced by 5%.
Complete Level 6 - Vehicle Damage Reduced by 15%



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