But uninsured drivers get to me It's just as bad as not having a drivers license IMO.
If you can't afford insurance, take the bus. The roads are a very dangerous and unsafe place and they don't need more unsafe or uninusred drivers. Would you play pro-football without health insurance?!
But at least you learned the law, and how to stand up for yourself.
The whole credit/colletion agency affair won't be easy to go about and will most likely take a lot of time.
But you defintely need to file a police report (any accident with either an injury or more than $500 in damage, which since your car has two side doors damaged completely qualifies).
Also, in one way, it is probably better that you don't have insurance. If you had insurance, the cost of repair (two side door replacement, with a paint job is probably going to be north of $2000) and your insurnace comany would have just totaled the car and gave you its value (which I imagine would be less then the cost of repair).
If I were you, I would get quick couple estimates on repair, and most likely look for a car you new/used car you can buy instead of repairing the old. You can probably finance a new/used car which will cut the huge shock on your wallet, and you can pay off the loan as soon as you have the payment received from the accident. Also if you get a new/used car you can have it today, and don't need to wait 2 weeks to a month to repair your old car, which will probably be the length of time in the body shop.
As a student, if you are not already, go to the UFUC, as a non-profit credit union, they had the lowest rates on this on car loans (and house) in the city. Just I hope you have a good credit score. But even a bad one with a bad interest rate (8-10%) is better then waiting this whole thing out and not having a car.
Of course, remember, whatever car you have, don't forget to pay for insurance. And if you need a partime job, get one, there are lots out there. Just don't tell any of them you have ADHD
Best of luck!
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