Now the NPCs are threatening to sue you??
So I was working an O'Neill bounty, driving on my way to Sandy Shores. I hit a garbage truck on the side and I swear, truth, no lie here, the NPC driver screamed "WHIPLASH! WHIPLASH!!"
In five years of playing through story mode on PS3 and then later PS4, and about seven months playing GTA V Online (*currently level 289), I have never, ever heard an NPC yell "Whiplash!" after their vehicle was struck by another vehicle.
Then again, this is the same GTA Online where a month or so ago an NPC driver called me an "uninsured Mexican".