My husband has had that exact thing happen
We were on one wage at the time, with 2 small boys, expecting the 3rd baby boy, he ploughs into a rear end of a brand new Nissan Sentra, Insurance company said it was a right off, we had no insurance, as couldn't afford it on one wage, we are still paying for it 20 years later at $7 a week :roll:
We ended up with no car as it wasn't worth while fixing our Mitsi Galant, so ended up having to buy a new car as well.
Tell my 4 boys now, NO INSURANCE = NO CAR
We have found the best place to go for modified cars is NAC.
All my boys have modified vechiles:
Nissian Skyline GTR
Honda Accord Euro Type R
Toyota Supra TT
Mitsi GTO TT
They are obviously all Males and under 25 on Full licences, we have found NAC prices aren't to bad.
Some Insurance Company prices are ridiculous :roll: