By stuck - 23/03/2015 15:51 - United States - Bridgeview
Add a comment - Reply to : #
Insurance? If your boyfriend is driving uninsured or the car is uninsured then YDI. Otherwise there's no need to "work" to fix/get the car's money
Maybe not everyone can afford it? Idk what liability is, but I know for the 4 of us in our household it's pretty expensive to insure 4 cars. Especially since my stepbrother and I are in that early 20s male riskier driver category. It's like 500 dollars a month for our insurance, maybe more idk.
Ok to all those saying that it's not worth having full coverage because it's too expensive may have a point but, what if you get in a major accident that your liability won't cover. If your not worried about that and choose liability because full coverage isn't worth insurance on a beater car than you should put aside at least $50 a month in savings for incidentals or if your beater craps out on you.
Liability insurance is the mandatory minimum in the state of Illinois (where I live). It just means that you are covered if you hit someone else. If you are living paycheck to paycheck, you sometimes have to scrimp on items (and at least OP was responsible enough to carry that kind of insurance.
Actually, OP doesn't say they were insured at all. I've never been asked if I have insurance when registering a vehicle in Illinois (where I was raised and am again) like I was in other states I've lived in. They could have easily been one of the daily uninsured drivers that get ticketed everyday in my hometown.
I have full tort and stacked coverage on my car and just have liability on my truck. I bought my car new and I inherited my truck from a step-family member, which has cosmetic damage. It costs me about $180/month. Insurance isn't cheap indeed. If it doesn't cost too much for something similar to "accident forgiveness" & "vanishing deductible" get them. Depending on your driving record, your repairs could almost cost nothing...
Miss moody it depends on the car, the driver, driver history, etc. My parents are cheaper to insure than my brother and I. It also depends on the cost of the car and the type (sports vs a subcompact vs suv, etc). My stepbrother has a Camaro and I have a focus. My dad has a grand cherokee and my stepmom has an audi allroad. To insure all of us on these cars is pretty expensive.
Collision insurance is not mandatory in most states. Liability insurance IS, pretty much everywhere as far as I know. His fault, no collision insurance, no money from insurance company. Of course, that doesn't mean HE shouldn't be the one figuring out how to earn the money to fix or replace it.
Where I live it's either liability or full coverage. Since I was a junior in high school when my parents bought my car, they chose liability because they were paying for it and the car was only worth 3,000. It's a kia 1999 sportage and I'm female so my parents only have to pay 45 dollars in insurance per month, while my boyfriend drives a 1999 mustang and pays almost 200 dollars in insurance per month.
#56 Those are all good solutions but OP may live in a small rural area & I can tell you from experience that those are not viable options when you are in a small town. Many people do not realize what life is like outside of majot metropolitan areas. But transportation can definitely be an issue when there are really no public options available to you.
Public transportation, my friend. Or use a taxi company if you're in a rural area. It'll suck, but when there's a will there's a way. Good luck OP
Hmmm 17 I don't know that a taxi would go down the bumpy dirt roads you live on and around. But if I understand correctly, OP is the only person in the relationship with a job. The way I see it is its my car and my money to fix it so no one (unless married) is driving my car. It is mandatory where I live to have some kind of insurance. If not it will get towed and you will receive a citation. If it were me he wouldn't have gotten close to that drivers seat.
I'm from Southern Illinois. The answer is no. No, they do not have public transportation, for the most part, in the lower half of the state. I don't think I've ever even seen a taxi outside of the city. Buses in some of the larger towns, but even that is few and far between. I know a guy who charges for rides in his van to feed his drug habit. He doesn't have a bumper and has sponges for window wiper blades. I don't recommend that.