GTA 5 mod makes NPCs dive in front of your car and sue you

It’s no secret that GTA 5 has seen every kind of mod imaginable, but one creator has found a way to make it even stranger.

Blurbs, a Twitch-based modder known for turning chaotic viewer ideas into real in-game systems, has now given GTA’s NPCs the ability to fake accidents and take players to court. His previous projects included modding himself into Read Dead Redemption 2, adding Twitch voice chat in Skyrim, and a Jack Marston as a tomahawk mod.

Each one starts as a ridiculous chat suggestion that he somehow makes work, and the GTA 5 insurance fraud mod even allows the Twitch channel to participate.

GTA 5’s insurance fraud mod lets NPCs sue you

The new mod takes GTA 5 somewhere it’s never bothered to go, despite all its crimes and chaos: the courtroom. When a pedestrian dives in front of your car, you’re instantly teleported to a full courthouse where the trial starts right away.

Blurbs used a map called “Courthouse (early access)” by modder jay17 and connected it to his own custom code. The system detects when an NPC collides with the player’s car and triggers a sequence where chat takes over as judge, jury, and prosecution. Before the hearing starts, Blurbs must fill out an “incident report” made entirely from viewer-submitted questions.

The form is generated dynamically on stream, with prompts ranging from serious to absurd. “Which direction were you moving?” might sit right next to “Shag, marry, avoid: Trevor Phillips, Arthur Morgan, Lester C.” Once submitted, the courtroom erupts into text-to-speech chaos as chat argues the case in real time.

You can watch the full video here, even if it’s just to satisfy that burning curiosity about who he actually picked:

Jurors include aliens and sharks, all screaming for a verdict. At one point, a cow wanders into traffic and tries to “sue.” “This cow’s trying to scam me,” Blurbs laughs. “Your honor, this is an outrage.”

It’s part coding experiment, part live improv. The result turns GTA 5 into a stage for interactive comedy, where every crash ends with a lawsuit and your Twitch audience decides your fate.