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Originally Posted by bojan07
yeah cash.. i know what you guys are saying, but what are the chances of me smashing into a merc/bmw etc.. if you drive normal? follow the speed limit, pay attention on the road.. sure theres still a chance you'll hit someone but how low is it?
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Mechanical failure, tyre blow out, unforseen incidents... Accidents happen all the time. Driving at the speed limit does not imply you are safe. The fact that you are driving a turbo charged vehicle at such a young age also means there is a much higher risk of driver error (yes you passed a test, but it takes a lot of experience to learn how to drive). Oh and then there is the theft, fire and damage that could happen to your pride and joy.
Simply having 3rd party would eliminate this risk for little outlay. Like everyone said, if you can't afford the insurance you can't afford the vehicle. We are all trying to give you the advice that we have all had to learn.
Also in relation to your incident, check that the insurance company of the other driver is going to pay out and if they will let you choose the repairer. (the insurer may only want you to go to a certain place, making this thread null and void) If the other driver doesn't have insurance, expect a long battle in the courts.