Last week, the transmission in my car went out… While it was parked I cancelled the insurance, so I could put the money toward repairs, as they weren’t covered under my liability insurance.
A few short days later, someone skipped the curb at our apartment complex and slammed into my front end, bending the front left axle, before tearing away into the night. No cameras at our small complex, and no witnesses as it was extremely late/early.
My credit isn’t terrible (650) but I haven’t done much to build it, having struck out on my own as the recession hit and being paranoid about credit in general. Because of this, I’m unable to secure a loan. And even with a cosigner, that I can’t find, the terms are too steep for what I require and I’d be destitute before I could raise the money, being without a car.
I also work at a sod farm that doesn’t do Direct Deposit, so it disqualifies me from most online “desperation” options, which I HAVE pursued.
After consulting with body shops, the total came out to about $5400 with the transmission and collision damage. I rounded the total down, as I’d feel bad not paying at least something and $400 is no small number for me.
For $2000, I could simply buy a halfway decent vehicle and use that as I work toward repairing the other vehicle. So this is an option, as well.
I appreciate your consideration. For perspective, I came up rough and I’ve been grinding for the past 12 years to keep from spiraling back into that life. Before this, things were looking pretty great. I’m real proud of myself for that, and my biggest anxiety is my life falling to ruin over this. Uber’ing and lyft’ing to my job isn’t an option, as it would eat up half my pay to get there and back.
I have a few rescue animals that I would hate to have to relocate and genuinely nowhere to go but to a shelter should my income drop any more.
I really have exhausted all other options, and would appreciate the help. Thank you.