Can a minor bumper crack really cost $1000 to fix?

[WoodburyWoody]

Originally Posted by Veronicka

Good Job...That is so worth it.

Laws vary by state, and in my state the penalty for driving uninsured and causing property damage over $750.00 is a 1 year mandatory license suspension, plus fines and you don't want that. Everybody makes mistakes but we try and squirm out of trouble whenever possible. That has always been my policy.

I have Uninsured Motorist insurance and live in a 'fault' state. I am pretty sure that if you are 100% not at fault, it does not count against you and your rates won't go up. Laws differ, and policies, I am sure.

My daughter had the accident with the uninsured motorist where the car was totaled. She was a new driver so I am sure there would have been a problem, if there was a problem to be had.

Good for you, Chris. That is very kind of the other driver to work with you on this.

Minnesota is a No Fault state. Having no insurance is a misdemeanor.

In Minnesota, PIP (Personal Injury Protection), Liability and Uninsured/Underinsured coverages are required. Collision and Comprehensive (which covers your vehicle) are optional.

PIP is the no-fault part, meaning that your insurance company covers your medical bills and loss of income due to the accident, regardless of who is at fault. It limits the ability to sue for these damages - basically on in cases where your damages exceed your coverage and you may only sue for what is not covered by PIP.

Everything else is not covered by no-fault, so fault may be assigned and suits may be filed to recover damages.

[ChrisTK]

Originally Posted by WoodburyWoody

Good for you, Chris. That is very kind of the other driver to work with you on this.

Minnesota is a No Fault state. Having no insurance is a misdemeanor.

In Minnesota, PIP (Personal Injury Protection), Liability and Uninsured/Underinsured coverages are required. Collision and Comprehensive (which covers your vehicle) are optional.

PIP is the no-fault part, meaning that your insurance company covers your medical bills and loss of income due to the accident, regardless of who is at fault. It limits the ability to sue for these damages - basically on in cases where your damages exceed your coverage and you may only sue for what is not covered by PIP.

Everything else is not covered by no-fault, so fault may be assigned and suits may be filed to recover damages.

Thats why I have issues with paying for insurance. Its so damn expensive for me and I've only had a license for a year. Geico alone quoted me $300 a month! The car is a literal ****ty 1996 intrepid with about 260,000 miles and I was getting state minimum. Luckily Am Fam is cheap and they insure me, especially with my length of licensing and gaps.

The lady does want to know when I get employed however and how much I'll be making hourly to make sure I can even make the payment. I told her if I can give her more I will but she has accepted at least $300 if I can't make the $350 (which I want to).

She has also calmed down now that realizes I really am looking for work like crazy to pay her and my bills, so thats a major plus.