I hit a Merc on the rear this morning while trying to enter the left lane, we went to the police station and filed a case, he then went to two different panelbaters and got quotes.Its a Huge Problem because I only just bought the car 2 weeks ago, am a learner driver 22 years old, and my insurance is sky high, I cant even afford to pay the excess (which is the same amount as the lowest quote) but the bottom line is I do NOT have this amount of money, what should I do???
Should I try for a loan to pay for the excess and use insurance or pay the panelbeater directly?
If you can’t afford to pay for the consequences of your actions, then stop doing what you did.
You don’t have to pay the excess, because it’s property damage liability.
You will have to file the claim with your insurance. You can’t afford to do anything else. And you’ll probably not be able to get a "real" license for at least a year after the accident.